| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MITCHELL INSURANCE INC3 Filed as: MITCHELL INSURANCE | PO BOX 10 SIKESTON, MO 63801 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.08% |
| JOHN W NISWONGER3 Filed as: JOHN W. NISWONGER | 525 COUNTY ROAD 233 CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $144 | $1K | 4.93% |
| JOSEPH NISWONGER3 | 787 VAIL DRIVE JACKSON, MO 63755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $731 | $333 | $1K | 3.53% |
| MJ INSURANCE3 Filed as: CPU, INC. AND VARIOUS AGENTS | PO BOX 792 CAPE GIRARDEAU, MO 63702 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $671 | $2 | $673 | 2.23% |
| MITCHELL INSURANCE INC3 Filed as: MITCHELL INS AGENCY, INC. | PO BOX 10 SIKESTON, MO 63801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $420 | $181 | $601 | 1.99% |
| LISA D. NISWRONGER3 | 2711 THOMAS DRIVE CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $422 | $0 | $422 | 1.40% |
| JENNIFER ROWLAND3 | 205 NORTH SUNSET BOULEVARD CAPE GIRARDEAU, MO 63701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $286 | $64 | $350 | 1.16% |
| LAURA A RHEIN3 Filed as: LAURA A. RHEIN | 101 SCHLUETER GERMAINE ROAD BELLEVILLE, IL 62220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $219 | $35 | $254 | 0.84% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 157 | $106K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 157 | $106K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 157 | $106K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 37 | $30K |
| Long-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 37 | $30K |
| Other(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 157 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.