| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL LAPE3 Filed as: DANIEL D LAPE | MITCHELL INSURANCE 901 N MAIN SIKESTON, MO 63801 | CONSOCIATE HEALTH | $114K | — | $114K | 10.52% |
| JOHN W NISWONGER3 Filed as: JOHN NISWONGER | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 14.50% |
| MITCHELL INSURANCE INC3 Filed as: MITCHELL INSURANCE | P O BOX 10 SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 11.20% |
| JOSEPH NISWONGER3 Filed as: JOSEPH WISWONGER | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $336 | $3K | 9.48% |
| SUSAN MARIE WEITKAMP3 Filed as: SUSAN WEITKAMP | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $721 | $2K | 6.13% |
| LAURA A RHEIN3 Filed as: LAURA RHEIN | 101 SCHLUETER GERMAINE ROAD BELLEVILLE, IL 62220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $276 | $1K | 4.56% |
| JENNIFER ROWLAND3 | 205 N SUNSET BLVD CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $987 | $235 | $1K | 3.91% |
| SETH GREGORY COLWICK3 Filed as: SETH COLWICK | 901 NORTH MAIN SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
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 | 429 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONSOCIATE HEALTH | 862 | $1.1M |
| Dental | CONSOCIATE HEALTH | 862 | $1.1M |
| Vision | CONSOCIATE HEALTH | 862 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | CONSOCIATE HEALTH | 862 | $1.1M |
| Short-term disability | CONSOCIATE HEALTH | 862 | $1.1M |
| Long-term disability | CONSOCIATE HEALTH | 862 | $1.1M |
| Prescription drug | CONSOCIATE HEALTH | 862 | $1.1M |
| Stop-loss / reinsurancereinsurance | CONSOCIATE HEALTH | 862 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 862 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.