| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARY DAUGHERTY3 | 7625 STAR GAZING LANE KNOVILLE, TN 37938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $34K | $35K | 17.96% |
| DANIEL BITZA3 | 76 HICKORY BLUFF LANE ARNOLD, MO 63010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $105 | $11K | 5.37% |
| DAWN M RUEHL3 | 556 SOUTH CLAY AVENUE KIRKWOOD, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 4.00% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $663 | $3K | 1.78% |
| RICHARD D SCHOOLEY3 | 563 BALLAS PARK DRIVE ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $42 | $2K | 1.08% |
| GAIL D GOODEN CORP3 | 60 SPRING TRAIL CT ST. CHARLES, MO 63303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $878 | $0 | $878 | 0.45% |
| ABIGAYLE DEBORAH PHILLIPS3 | 20651 US HIGHWAY 65 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | $0 | $331 | 0.17% |
| DAVID SPARKS PURVIS3 Filed as: DAVID SPARKS | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $0 | $318 | 0.16% |
| TYLER RUSSELL PHILLIPS3 Filed as: TYLER RUSSEL PHILLIPS | 20651 US HIGHWAY 65 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $76 | $230 | 0.12% |
| REBECCA ANN PHILLIPS3 | 104 EAST HAYWARD ST MEADVILLE, MO 64659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $0 | $156 | 0.08% |
| D PHILLIPS INS LLC3 | RURAL ROUTE 2 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | $6 | $125 | 0.06% |
| JADE CHRISTINE PINSON3 | 708 CHANTILLY CT BALLWIN, MO 63011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| DAWN M RUEHL3 | 556 SOUTH CLAY AVENUE KIRKWOOD, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $373 | $2K | 5.44% |
| DANIEL BITZA3 | 76 HICKORY BLUFF LANE ARNOLD, MO 63010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $24 | $2K | 5.06% |
| CAYLA BREDBENNER3 | 1337 COMMONS CIR COTTLEVILLE, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | $157 | $763 | 1.83% |
| RICHARD D SCHOOLEY3 | 563 BALLAS PARK DRIVE ST. LOUIS, MO 63122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $500 | $11 | $511 | 1.23% |
| AMY MARIE RENNER3 | 217 DEANE CT ST. LOUIS, MO 63127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | $12 | $240 | 0.58% |
| MARY DAUGHERTY3 | 7625 STAR GAZING LANE KNOVILLE, TN 37938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $39 | $220 | 0.53% |
| ABIGAYLE DEBORAH PHILLIPS3 | 20651 US HIGHWAY 65 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 0.21% |
| GAIL D GOODEN CORP3 | 60 SPRING TRAIL CT ST. CHARLES, MO 63303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.11% |
| DAVID SPARKS PURVIS3 Filed as: DAVID SPARKS | 3840 SADDLE BEND DRIVE OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.04% |
| D PHILLIPS INS LLC3 | RURAL ROUTE 2 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 0.04% |
| TYLER RUSSELL PHILLIPS3 Filed as: TYLER RUSSEL PHILLIPS | 20651 US HIGHWAY 65 PRINCETON, MO 64673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $5 | $15 | 0.04% |
| REBECCA ANN PHILLIPS3 | 104 EAST HAYWARD ST MEADVILLE, MO 64659 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| JEROME B CUMMINSKEY3 | 6730 WRIGHT RD NE ATLANTA, GA 30328 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $348 | — | $348 | 5.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 187 | $245K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 91 | $238K |
| Long-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 91 | $238K |
| Stop-loss / reinsurancereinsurance(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 91 | $238K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.