| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFP EMPLOYEE BENEFITS3 Filed as: MFP EMPLOYEE BENEFITS & HR SERVICES | 1508 GARDEN VALLEY WILDWOOD, MO 63038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 11.27% |
| FEDERICO BERLANGA3 Filed as: FEDERICO BERLANGA AND OTHER AGENTS | 17803 LA CANTERA TERRACE SAN ANTONIO, TX 78256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 7.86% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY ROAD 23 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $334 | $3K | 4.17% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $672 | $2K | 2.96% |
| MANUEL FUENTES3 | 63 MARIPOSA PARKWAY WEST BOERNE, TX 78006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $630 | $2K | 2.85% |
| ARGO EXPRESS LLC3 | 17803 LA CANTERA TERRACE APARTMENT 11418 SAN ANTONIO, TX 78256 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $546 | $2K | 2.82% |
| MESHEL ANDRIA RIEDEL3 | 150 CARONDOLET AVENUE CLAYTON, MO 63105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.55% |
| MFP EMPLOYEE BENEFITS3 Filed as: MFP EMPLOYEE BENEFITS & HR SERVICES | 1508 GARDEN VALLEY WILDWOOD, MO 63038 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 5.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 4.14% |
| MFP EMPLOYEE BENEFITS3 Filed as: MFP EMPLOYEE BENEFITS & HR SERVICES | 1508 GARDEN VALLEY WILDWOOD, MO 63038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 3.72% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $5 | $119 | 1.91% |
| LAURA A RHEIN3 Filed as: LAURA A. RHEIN | 101 SCHLUETER GERMAINE ROAD BELLEVILLE, IL 62220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $3 | $79 | 1.27% |
| MESHEL ANDRIA RIEDEL3 | 150 CARONDOLET AVENUE CLAYTON, MO 63105 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 1.03% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $9 | $55 | 0.88% |
| LISA D NISWONGER3 Filed as: LISA D. NISWONGER | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.29% |
| MJ INSURANCE3 Filed as: JOSEPH NISWONGER AND VARIOUS AGENTS | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.19% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 173 | $68K |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 54 | $78K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 173 | $68K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 173 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.