| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.49% |
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.75% |
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.52% |
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $191 | — | $191 | 0.66% |
| MENARD WURTZ AGENCY INC. | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MENARD WURTZ AGENCY INC. | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CONNIE RAYLENE HOUK AVERY3 | 1501 N. UNIVERSITY LITTLE ROCK, AR 72207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 8.50% |
| WILLIAM ANDREW MENARD3 | 1501 N. UNIVERSITY LITTLE ROCK, AR 72207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $805 | $142 | $947 | 4.09% |
| DWAYNE C. LORENZ3 | P.O. BOX 985 SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 0.69% |
| JOSEPH NISWONGER3 | 787 VAIL DR. JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $12 | $138 | 0.60% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY RD. 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $3 | $82 | 0.35% |
| LISA D NISWONGER3 Filed as: LISA D. NISWONGER | 2711 THOMAS DR. CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $2 | $41 | 0.18% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $29K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $52K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $29K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.