| 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 | 5.24% |
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.86% |
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.23% |
| MENARD WURTZ AGENCY INC.3 | 1501 N. UNIVERSITY, STE 340 LITTLE ROCK, AR 722075232 | METROPOLITAN LIFE INSURANCE COMPANY | $46 | — | $46 | 0.14% |
| CONNIE RAYLENE HOUK AVERY3 | 1501 N. UNIVERSITY LITTLE ROCK, AR 72207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | — | $295 | 1.67% |
| WILLIAM ANDREW MENARD3 | 1501 N. UNIVERSITY AVE LITTLE ROCK, AR 72207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | — | $265 | 1.50% |
| DWAYNE C. LORENZ3 | P.O. BOX 985 SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.20% |
| JOSEPH NISWONGER3 | 787 VAIL DR. JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.19% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY RD. 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.11% |
| WILLIAM ANDREW MENARD3 | 3105 OVERBROOK CIRCLE NORTH LITTLE ROCK, AR 72116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.10% |
| LISA D NISWONGER3 Filed as: LISA D. NISWONGER | 2711 THOMAS DR. CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.06% |
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 | 98 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $33K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $51K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $33K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.