| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFP EMPLOYEE BENEFITS & HR SERVICES3 | 1508 GARDEN VALLEY DRIVE WILDWOOD, MO 63038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 6.67% |
| MJ INSURANCE3 Filed as: DANIELLE R. BARDEN & VARIOUS AGENTS | 228 PALMER DRIVE DADEVILLE, AL 36853 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 5.26% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOURNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $773 | $3K | 4.21% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $360 | $3K | 3.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE, SUITE 500 SAINT LOUIS, MO 63131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $270 | $2K | 3.09% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $635 | $2K | 2.54% |
| MESHEL ANDRIA RIEDEL3 | 150 CARONDELET PLAZA CLAYTON, MO 63105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $7K | $421 | $7K | 10.68% |
| MFP EMPLOYEE BENEFITS & HR SERVICES3 Filed as: MFP EMPLOYEE BENEFITS & HR SVS, LLC | 1508 GARDEN VALLEY WILDWOOD, MO 63038 | HARTFORD LIFE AND ACCIDENT | -$53 | $0 | -$53 | -0.08% |
| MFP EMPLOYEE BENEFITS & HR SERVICES3 | 1508 GARDEN VALLEY DRIVE WILDWOOD, MO 63038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.03% |
| MJ INSURANCE3 Filed as: DANIELLE R. BARDEN & VARIOUS AGENTS | 228 PALMER DRIVE DADEVILLE, AL 36853 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $624 | $286 | $910 | 2.52% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $591 | $0 | $591 | 1.64% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOURNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $435 | $103 | $538 | 1.49% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $349 | $98 | $447 | 1.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE, SUITE 500 SAINT LOUIS, MO 63131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $415 | $0 | $415 | 1.15% |
| MESHEL ANDRIA RIEDEL3 | 150 CARONDELET PLAZA CLAYTON, MO 63105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $225 | $0 | $225 | 0.62% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 1.36% |
| MFP EMPLOYEE BENEFITS & HR SERVICES3 | 1508 GARDEN VALLEY DRIVE WILDWOOD, MO 63038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 1.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE, SUITE 500 SAINT LOUIS, MO 63131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.84% |
| LAURA A RHEIN3 Filed as: LAURA A. RHEIN | 101 SCHLUETER GERMAINE ROAD BELEVILLE, IL 62220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.82% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.57% |
| LISA D NISWONGER3 Filed as: LISA D. NISWONGER | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.11% |
| MJ INSURANCE3 Filed as: JOSEPH NISWONGER & VARIOUS AGENTS | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.11% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $480 | $0 | $480 | 14.39% |
| MFP EMPLOYEE BENEFITS & HR SERVICES3 | 1508 GARDEN VALLEY DRIVE WILDWOOD, MO 63038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 1.44% |
| LAURA A RHEIN3 Filed as: LAURA A. RHEIN | 101 SCHLUETER GERMAINE ROAD BELEVILLE, IL 62220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE, SUITE 500 SAINT LOUIS, MO 63131 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.63% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.63% |
| LISA D NISWONGER3 Filed as: LISA D. NISWONGER | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.12% |
| MJ INSURANCE3 Filed as: JOSEPH NISWONGER & VARIOUS AGENTS | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.12% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 179 | $70K |
| Short-term disability(4 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 60 | $123K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 179 | $70K |
| Other(5 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 179 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.