| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF IL INC. | 35371 NETWORK PLACE CHICAGO, IL 60673 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $40K | $0 | $40K | 2.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $33K | $0 | $33K | 1.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF IL INC. | 233 SOUTH WACKER DRIVE, SUITE 1875 CHICAGO, IL 60606 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.09% |
| UNKNOWN3 | UNKNOWN JACKSON, MO 63755 | BLUE CARE NETWORK OF MICHIGAN | $1K | $0 | $1K | 2.51% |
| UNKNOWN3 | UNKNOWN JACKSON, MO 63755 | BLUE CARE NETWORK OF MICHIGAN | $472 | $0 | $472 | 0.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF IL INC. | 35371 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.63% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | ANTHEM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.41% |
| STEPHEN JOSEPH LAHOOD3 | 1783 KNOLL TERRACE LANE SAINT PETERS, MO 63376 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $26 | $5K | 27.03% |
| JOSEPH NISWONGER AND OTHER AGENTS3 | 787 VAIL DRIVE JACKSON, MO 63765 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $270 | $2K | 11.39% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $845 | $226 | $1K | 5.33% |
| ALYSSA PETTIT3 | 11469 OLIVE BOULEVARD SAINT LOUIS, MO 63141 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $828 | $0 | $828 | 4.12% |
| SANFORD GARY GOLDBERG3 | 17A SOUTH SPANISH CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $585 | $191 | $776 | 3.86% |
| JO ANN PANTALONE3 Filed as: ANN M. WEST | 3377 B HIGHWAY E PERRYVILLE, MO 63775 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $638 | $47 | $685 | 3.41% |
| DAVID ALLEN GONCHER3 | 234 BROADWAY CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $401 | $86 | $487 | 2.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF IL INC. | 233 SOUTH WACKER DRIVE, SUITE 1875 CHICAGO, IL 60606 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 9.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $737 | $0 | $737 | 4.77% |
| MATTHEW E. L. STALEY3 Filed as: MATTHEW E.L. STALEY | 9832 IRELAND DRIVE SAINT LOUIS, MO 63114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | $0 | $40 | 4.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF IL INC. | 233 SOUTH WACKER DRIVE, SUITE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | $0 | $12 | 1.28% |
| BENEFIT PLAN PARTNERS LLC3 | 18102 CHESTERFIELD AIRPORT ROAD SUITE E CHESTERFIELD, MO 63005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.32% |
| SHARON K CAREW3 Filed as: SHARON K. CAREW | 2907 ELK RIVER TRAIL BULVERDE, TX 78163 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.21% |
| KATHY DARBY3 | 1301 NORTH KINGSHIGHWAY, SUITE B CAPE GIRARDEAU, MO 63701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.11% |
| INSURANCE BENEFITS CONSULTANTS LLC3 | 1009 SOUTH NEOSHO BOULEVARD NEOSHO, MO 64850 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.11% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 182 | $1.7M |
| Dental(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 182 | $1.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 177 | $15K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 165 | $73K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 108 | $20K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 165 | $52K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 182 | $1.7M |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 165 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.