| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MITCHELL INSURANCE INC3 Filed as: MITCHELL INSURANCE | 901 NORTH MAIN SIKESTON, MO 63801 | CONSOCIATE HEALTH | $99K | — | $99K | 11.00% |
| MITCHELL INSURANCE INC3 | PO BOX 10 SIKESTON, MO 63801 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $143K | — | $143K | 17.26% |
| JOHN W NISWONGER3 | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $9K | 10.65% |
| JOSEPH NISWONGER3 | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $7K | 9.01% |
| MITCHELL INSURANCE INC3 Filed as: MITCHELL INSURANCE AGENCY INC | PO BOX 10 SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $188 | $7K | 8.10% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 4.94% |
| LISA NELSON3 Filed as: LISA LOUISE NELSON | 5834 NOTTINGHAM AVENUE, APT 2W SAINT LOUIS, MO 63109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $576 | $3K | 3.16% |
| CAROLINE RIOS3 | 17411 ROBERTS ROAD HOCKLEY, TX 77447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $398 | $1K | 1.77% |
| LORI LYNN PIERCE3 | 5909 CINNAMON OAKS DRIVE CORPUS CHRISTI, TX 78414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $18 | $1K | 1.25% |
| PAULA GAIL NEAL3 | 604 FM 41 LUBBOCK, TX 79423 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $622 | $227 | $849 | 1.03% |
| CAROL LEE HOLDEN3 | 5312 RADIANT LANE AMARILLO, TX 79109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $622 | $88 | $710 | 0.86% |
| LAURA A RHEIN3 | 101 SCHLUETER GERMAINE ROAD BELLEVILLE, IL 62220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | $19 | $219 | 0.27% |
| TIMOTHY J REED3 Filed as: TIMOTHY COBB | 11086 NW COUNTY ROAD 1370 BARRY, TX 75102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $140 | $208 | 0.25% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL FINANCIAL STRATEGIES INC | 7008 SALEM AVENUE, SUITE 106 LUBBOCK, TX 79424 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $32 | $186 | 0.23% |
| SETH GREGORY COLWICK3 | 901 N MAIN STREET SIKESTON, MO 63801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 0.22% |
| STEVEN WOOD3 | 25635 WEIGELA SAN ANTONIO, TX 78261 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $88 | $156 | 0.19% |
| JENNIFER ROWLAND3 | 205 N SUNSET BOULEVARD CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $10 | $152 | 0.18% |
| GAIL D GOODEN CORP3 | 60 SPRING TRAIL COURT SAINT CHARLES, MO 63303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $17 | $138 | 0.17% |
| KORY L ALBRECHT3 Filed as: KORY LANE ALBRECHT | 5 ANNA DRIVE SAINT CHARLES, MO 63304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 0.15% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 0 | $828K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 0 | $828K |
| Life insurance(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 0 | $911K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 0 | $828K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 0 | $828K |
| Stop-loss / reinsurancereinsurance | CONSOCIATE HEALTH | 0 | $898K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 0 | $828K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.