| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 35371 NETWORK PLACE SUITE 2000 CHICAGO, IL 60673 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $86K | $0 | $86K | 5.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CALIFORNIA, INC. | 801 SOUTH FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.06% |
| STEPHEN JOSEPH LAHOOD3 | 1783 KNOLL TERRACE LANE SAINT PETERS, MO 63376 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $19K | $44K | 47.59% |
| DAVID ALLEN GONCHER3 Filed as: DAVID GONCHER AND OTHER AGENTS | 234 BROADWAY CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $1K | $10K | 11.11% |
| JOHN W NISWONGER3 | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $883 | $5K | 5.15% |
| ALYSSA PETTIT3 | 11469 OLIVE BOULEVARD SAINT LOUIS, MO 63141 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $924 | $5K | 5.07% |
| JO ANN PANTALONE3 Filed as: ANN M WEST | 3377 B HIGHWAY EAST PERRYVILLE, MO 63775 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $163 | $3K | 3.47% |
| SANFORD GARY GOLDBERG3 | 17A SOUTH SPANISH CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $476 | $3K | 3.22% |
| JOSEPH NISWONGER3 | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $426 | $2K | 2.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER SUITE 2000 CHICAGO, IL 60606 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 425 NORTH MARTINGALE ROAD SUITE 1100 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | $12K | $0 | $12K | 16.31% |
| UNKNOWN3 | UNKNOWN JACKSON, MO 63755 | BLUE CARE NETWORK OF MICHIGAN | $2K | $0 | $2K | 3.59% |
| UNKNOWN3 | UNKNOWN JACKSON, MO 63755 | BLUE CARE NETWORK OF MICHIGAN | $619 | $0 | $619 | 0.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | EYEMED VISION CARE | $3K | $0 | $3K | 10.84% |
| MATTHEW E. L. STALEY3 Filed as: MATTHEW E L STALEY | 9832 IRELAND DRIVE SAINT LOUIS, MO 63114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $847 | $0 | $847 | 5.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER SUITE 2000 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | $0 | $190 | 1.25% |
| KATHY DARBY3 | 1301 NORTH KINGSHIGHWAY SUITE B CAPE GIRARDEAU, MO 63701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | $0 | $122 | 0.80% |
| BENEFIT PLAN PARTNERS LLC3 | 18102 CHESTERFIELD AIRPORT ROAD SUITE E CHESTERFIELD, MO 63005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | $0 | $31 | 0.20% |
| SHARON K CAREW3 | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.11% |
| INSURANCE BENEFITS CONSULTANTS LLC3 Filed as: INSURANCE BENEFITS CONSULTANTS | 1009 SOUTH NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.06% |
| LAHOOD, STEPHEN, JOSEPH3 | PO BOX 2061 SAINT CHARLES, MO 63302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 22.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER SUITE 2000 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $758 | -$6 | $752 | 5.60% |
| LAHOOD, STEPHEN, JOSEPH3 | PO BOX 2061 SAINT CHARLES, MO 63302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $715 | $0 | $715 | 8.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER SUITE 2000 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $179 | $8 | $187 | 2.17% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 190 | $1.7M |
| Dental(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 129 | $156K |
| Vision | EYEMED VISION CARE | 182 | $24K |
| Life insurance(4 contracts, 4 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 185 | $191K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 168 | $105K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 185 | $71K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 190 | $1.7M |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 192 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.