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CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 401k Plan overview

Plan NameCARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN
Plan identification number 502

CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN Benefits

401k Plan TypeWelfare Benefit
Plan Features/Benefits
  • Life insurance
  • Temporary disability (accident and sickness)
  • Other welfare benefit cover

401k Sponsoring company profile

CARLINVILLE AREA HOSPITAL ASSOCIATION has sponsored the creation of one or more 401k plans.

Company Name:CARLINVILLE AREA HOSPITAL ASSOCIATION
Employer identification number (EIN):370645239
NAIC Classification:622000
NAIC Description: Hospitals

Form 5500 Filing Information

Submission information for form 5500 for 401k plan CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator SignedName of Company SponsorDate Sponsor Signed
5022022-02-01TRACY KOSTER2023-09-07 BRIAN BURNSIDE2023-09-07
5022021-02-01TRACY KOSTER2022-10-06 BRIAN BURNSIDE2022-10-06
5022020-02-01TRACY KOSTER2021-11-11 BRIAN BURNSIDE2021-11-12
5022019-02-01JENNY BUHL2020-10-01 JENNY BUHL2020-10-01
5022018-02-01
5022017-02-01
5022016-02-01
5022015-02-01
5022014-02-01
5022013-02-01
5022012-02-01MICHAEL J BROWN
5022011-02-01GREG WARD
5022010-02-01BRIAN ENGELKE
5022009-02-01BRIAN ENGELKE BRIAN ENGELKE2010-06-16

Plan Statistics for CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN

401k plan membership statisitcs for CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN

Measure Date Value
2022: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2022 401k membership
Total participants, beginning-of-year2022-02-01158
Total number of active participants reported on line 7a of the Form 55002022-02-01218
Number of retired or separated participants receiving benefits2022-02-010
Number of other retired or separated participants entitled to future benefits2022-02-010
Total of all active and inactive participants2022-02-01218
2021: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2021 401k membership
Total participants, beginning-of-year2021-02-01174
Total number of active participants reported on line 7a of the Form 55002021-02-01158
Total of all active and inactive participants2021-02-01158
2020: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2020 401k membership
Total participants, beginning-of-year2020-02-01174
Total number of active participants reported on line 7a of the Form 55002020-02-01174
Number of retired or separated participants receiving benefits2020-02-010
Number of other retired or separated participants entitled to future benefits2020-02-010
Total of all active and inactive participants2020-02-01174
2019: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2019 401k membership
Total participants, beginning-of-year2019-02-01175
Total number of active participants reported on line 7a of the Form 55002019-02-01174
Total of all active and inactive participants2019-02-01174
2018: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2018 401k membership
Total participants, beginning-of-year2018-02-01162
Total number of active participants reported on line 7a of the Form 55002018-02-01175
Total of all active and inactive participants2018-02-01175
2017: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2017 401k membership
Total participants, beginning-of-year2017-02-01162
Total number of active participants reported on line 7a of the Form 55002017-02-01162
Total of all active and inactive participants2017-02-01162
2016: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2016 401k membership
Total participants, beginning-of-year2016-02-01129
Total number of active participants reported on line 7a of the Form 55002016-02-01152
Total of all active and inactive participants2016-02-01152
2015: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2015 401k membership
Total participants, beginning-of-year2015-02-01128
Total number of active participants reported on line 7a of the Form 55002015-02-01133
Total of all active and inactive participants2015-02-01133
2014: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2014 401k membership
Total participants, beginning-of-year2014-02-01136
Total number of active participants reported on line 7a of the Form 55002014-02-01130
Total of all active and inactive participants2014-02-01130
2013: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2013 401k membership
Total participants, beginning-of-year2013-02-01128
Total number of active participants reported on line 7a of the Form 55002013-02-01128
Total of all active and inactive participants2013-02-01128
2012: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2012 401k membership
Total participants, beginning-of-year2012-02-01127
Total number of active participants reported on line 7a of the Form 55002012-02-01128
Total of all active and inactive participants2012-02-01128
2011: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2011 401k membership
Total participants, beginning-of-year2011-02-01120
Total number of active participants reported on line 7a of the Form 55002011-02-01127
Total of all active and inactive participants2011-02-01127
2010: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2010 401k membership
Total participants, beginning-of-year2010-02-01112
Total number of active participants reported on line 7a of the Form 55002010-02-01120
Total of all active and inactive participants2010-02-01120
2009: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2009 401k membership
Total participants, beginning-of-year2009-02-01112
Total number of active participants reported on line 7a of the Form 55002009-02-01112
Total of all active and inactive participants2009-02-01112

Form 5500 Responses for CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN

2022: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2022 form 5500 responses
2022-02-01Type of plan entitySingle employer plan
2022-02-01Plan funding arrangement – InsuranceYes
2022-02-01Plan benefit arrangement – InsuranceYes
2021: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2021 form 5500 responses
2021-02-01Type of plan entitySingle employer plan
2021-02-01Plan funding arrangement – InsuranceYes
2021-02-01Plan benefit arrangement – InsuranceYes
2020: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2020 form 5500 responses
2020-02-01Type of plan entitySingle employer plan
2020-02-01Plan funding arrangement – InsuranceYes
2020-02-01Plan benefit arrangement – InsuranceYes
2019: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2019 form 5500 responses
2019-02-01Type of plan entitySingle employer plan
2019-02-01Plan funding arrangement – InsuranceYes
2019-02-01Plan benefit arrangement – InsuranceYes
2018: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2018 form 5500 responses
2018-02-01Type of plan entitySingle employer plan
2018-02-01Plan funding arrangement – InsuranceYes
2018-02-01Plan benefit arrangement – InsuranceYes
2017: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2017 form 5500 responses
2017-02-01Type of plan entitySingle employer plan
2017-02-01Plan funding arrangement – InsuranceYes
2017-02-01Plan benefit arrangement – InsuranceYes
2016: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2016 form 5500 responses
2016-02-01Type of plan entitySingle employer plan
2016-02-01Plan funding arrangement – InsuranceYes
2016-02-01Plan benefit arrangement – InsuranceYes
2015: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2015 form 5500 responses
2015-02-01Type of plan entitySingle employer plan
2015-02-01Plan funding arrangement – InsuranceYes
2015-02-01Plan benefit arrangement – InsuranceYes
2014: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2014 form 5500 responses
2014-02-01Type of plan entitySingle employer plan
2014-02-01Plan funding arrangement – InsuranceYes
2014-02-01Plan benefit arrangement – InsuranceYes
2013: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2013 form 5500 responses
2013-02-01Type of plan entitySingle employer plan
2013-02-01Plan funding arrangement – InsuranceYes
2013-02-01Plan benefit arrangement – InsuranceYes
2012: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2012 form 5500 responses
2012-02-01Type of plan entitySingle employer plan
2012-02-01Plan funding arrangement – InsuranceYes
2012-02-01Plan benefit arrangement – InsuranceYes
2011: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2011 form 5500 responses
2011-02-01Type of plan entitySingle employer plan
2011-02-01Plan funding arrangement – InsuranceYes
2011-02-01Plan benefit arrangement – InsuranceYes
2010: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2010 form 5500 responses
2010-02-01Type of plan entitySingle employer plan
2010-02-01Plan funding arrangement – InsuranceYes
2010-02-01Plan benefit arrangement – InsuranceYes
2009: CARLINVILLE AREA HOSPITAL LIFE INSURANCE PLAN 2009 form 5500 responses
2009-02-01Type of plan entitySingle employer plan
2009-02-01This submission is the final filingNo
2009-02-01Plan funding arrangement – InsuranceYes
2009-02-01Plan benefit arrangement – InsuranceYes

Insurance Providers Used on plan

STANDARD INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 69019 )
Policy contract number169856
Policy instance 3
Insurance contract or identification number169856
Number of Individuals Covered216
Insurance policy start date2022-01-01
Insurance policy end date2022-12-31
Total amount of commissions paid to insurance brokerUSD $3,588
Total amount of fees paid to insurance companyUSD $0
Temporary Disability Insurance Welfare BenefitYes
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $3,588
Insurance broker organization code?3
STANDARD INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 69019 )
Policy contract number169856
Policy instance 2
Insurance contract or identification number169856
Number of Individuals Covered216
Insurance policy start date2022-01-01
Insurance policy end date2022-12-31
Total amount of commissions paid to insurance brokerUSD $2,340
Total amount of fees paid to insurance companyUSD $0
Life Insurance Welfare BenefitYes
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $2,340
Insurance broker organization code?3
COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 62049 )
Policy contract numberE7133754
Policy instance 1
Insurance contract or identification numberE7133754
Number of Individuals Covered5
Insurance policy start date2022-02-01
Insurance policy end date2023-01-31
Total amount of commissions paid to insurance brokerUSD $180
Total amount of fees paid to insurance companyUSD $0
Life Insurance Welfare BenefitYes
Welfare Benefit Premiums Paid to CarrierUSD $2,827
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $106
Insurance broker organization code?3
COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 62049 )
Policy contract numberE7133754
Policy instance 2
Insurance contract or identification numberE7133754
Number of Individuals Covered6
Insurance policy start date2021-02-01
Insurance policy end date2022-01-31
Total amount of commissions paid to insurance brokerUSD $155
Total amount of fees paid to insurance companyUSD $0
Life Insurance Welfare BenefitYes
Welfare Benefit Premiums Paid to CarrierUSD $2,559
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $101
Insurance broker organization code?3
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (National Association of Insurance Commissioners NAIC id number: 64246 )
Policy contract number00345836
Policy instance 1
Insurance contract or identification number00345836
Number of Individuals Covered158
Insurance policy start date2021-02-01
Insurance policy end date2022-01-31
Total amount of commissions paid to insurance brokerUSD $5,583
Total amount of fees paid to insurance companyUSD $0
Life Insurance Welfare BenefitYes
Other welfare benefits providedAD&D, OPTIONAL LIFE
Welfare Benefit Premiums Paid to CarrierUSD $51,388
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $5,583
Insurance broker organization code?3
COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 62049 )
Policy contract numberE7133754
Policy instance 2
Insurance contract or identification numberE7133754
Number of Individuals Covered6
Insurance policy start date2020-02-01
Insurance policy end date2021-01-31
Total amount of commissions paid to insurance brokerUSD $0
Total amount of fees paid to insurance companyUSD $0
Life Insurance Welfare BenefitYes
Welfare Benefit Premiums Paid to CarrierUSD $2,559
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?Yes
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (National Association of Insurance Commissioners NAIC id number: 64246 )
Policy contract number00345836
Policy instance 1
Insurance contract or identification number00345836
Number of Individuals Covered174
Insurance policy start date2020-02-01
Insurance policy end date2021-01-31
Total amount of commissions paid to insurance brokerUSD $5,929
Total amount of fees paid to insurance companyUSD $0
Life Insurance Welfare BenefitYes
Other welfare benefits providedAD&D, OPTIONAL LIFE
Welfare Benefit Premiums Paid to CarrierUSD $52,062
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $5,929
Insurance broker organization code?3
COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 62049 )
Policy contract numberE7133754
Policy instance 2
Insurance contract or identification numberE7133754
Number of Individuals Covered7
Insurance policy start date2019-02-01
Insurance policy end date2020-01-31
Total amount of commissions paid to insurance brokerUSD $280
Total amount of fees paid to insurance companyUSD $0
Life Insurance Welfare BenefitYes
Welfare Benefit Premiums Paid to CarrierUSD $3,364
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $151
Insurance broker organization code?3
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (National Association of Insurance Commissioners NAIC id number: 64246 )
Policy contract number00345836
Policy instance 1
Insurance contract or identification number00345836
Number of Individuals Covered174
Insurance policy start date2019-02-01
Insurance policy end date2020-01-31
Total amount of commissions paid to insurance brokerUSD $5,678
Total amount of fees paid to insurance companyUSD $0
Life Insurance Welfare BenefitYes
Other welfare benefits providedAD&D, OPTIONAL LIFE
Welfare Benefit Premiums Paid to CarrierUSD $49,566
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $5,678
Insurance broker organization code?3
COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 62049 )
Policy contract numberE7133754
Policy instance 2
Insurance contract or identification numberE7133754
Number of Individuals Covered7
Insurance policy start date2018-02-01
Insurance policy end date2019-01-31
Total amount of commissions paid to insurance brokerUSD $265
Total amount of fees paid to insurance companyUSD $0
Life Insurance Welfare BenefitYes
Welfare Benefit Premiums Paid to CarrierUSD $3,762
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $139
Insurance broker organization code?3
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (National Association of Insurance Commissioners NAIC id number: 64246 )
Policy contract number00345836
Policy instance 1
Insurance contract or identification number00345836
Number of Individuals Covered175
Insurance policy start date2018-02-01
Insurance policy end date2019-01-31
Total amount of commissions paid to insurance brokerUSD $5,502
Total amount of fees paid to insurance companyUSD $0
Life Insurance Welfare BenefitYes
Other welfare benefits providedAD&D, OPTIONAL LIFE
Welfare Benefit Premiums Paid to CarrierUSD $48,064
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $5,502
Insurance broker organization code?3
COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 62049 )
Policy contract numberE7133754
Policy instance 2
Insurance contract or identification numberE7133754
Number of Individuals Covered8
Insurance policy start date2017-02-01
Insurance policy end date2018-01-31
Total amount of commissions paid to insurance brokerUSD $268
Total amount of fees paid to insurance companyUSD $0
Life Insurance Welfare BenefitYes
Welfare Benefit Premiums Paid to CarrierUSD $4,117
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $142
Insurance broker organization code?3
Insurance broker nameUVETA MATTHEWS NEWCOMER
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (National Association of Insurance Commissioners NAIC id number: 64246 )
Policy contract number00345836
Policy instance 1
Insurance contract or identification number00345836
Number of Individuals Covered162
Insurance policy start date2017-02-01
Insurance policy end date2018-01-31
Total amount of commissions paid to insurance brokerUSD $5,254
Total amount of fees paid to insurance companyUSD $0
Life Insurance Welfare BenefitYes
Other welfare benefits providedAD&D, OPTIONAL LIFE
Welfare Benefit Premiums Paid to CarrierUSD $45,369
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $5,254
Insurance broker organization code?3
Insurance broker nameMATTHEW DOWLAND
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (National Association of Insurance Commissioners NAIC id number: 64246 )
Policy contract number00345836
Policy instance 1
Insurance contract or identification number00345836
Number of Individuals Covered133
Insurance policy start date2015-02-01
Insurance policy end date2016-01-31
Total amount of commissions paid to insurance brokerUSD $4,078
Total amount of fees paid to insurance companyUSD $0
Life Insurance Welfare BenefitYes
Other welfare benefits providedAD&D, OPTIONAL LIFE
Welfare Benefit Premiums Paid to CarrierUSD $33,657
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $4,078
Insurance broker organization code?3
Insurance broker nameMATTHEW DOWLAND
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (National Association of Insurance Commissioners NAIC id number: 64246 )
Policy contract number00345836
Policy instance 1
Insurance contract or identification number00345836
Number of Individuals Covered130
Insurance policy start date2014-02-01
Insurance policy end date2015-01-31
Total amount of commissions paid to insurance brokerUSD $3,784
Total amount of fees paid to insurance companyUSD $0
Contract purchased, in whole or in part, to distribute benefits from a terminating planNo
Contracts With Unallocated Funds Deposit Administration0
Life Insurance Welfare BenefitYes
Other welfare benefits providedAD&D, OPTIONAL LIFE
Welfare Benefit Premiums Paid to CarrierUSD $30,718
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $3,784
Insurance broker organization code?3
Insurance broker nameMATTHEW DOWLAND
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (National Association of Insurance Commissioners NAIC id number: 64246 )
Policy contract number00345836
Policy instance 1
Insurance contract or identification number00345836
Number of Individuals Covered128
Insurance policy start date2013-02-01
Insurance policy end date2014-01-31
Total amount of commissions paid to insurance brokerUSD $3,705
Total amount of fees paid to insurance companyUSD $0
Contract purchased, in whole or in part, to distribute benefits from a terminating planNo
Contracts With Unallocated Funds Deposit Administration0
Life Insurance Welfare BenefitYes
Other welfare benefits providedAD&D, OPTIONAL LIFE
Welfare Benefit Premiums Paid to CarrierUSD $29,934
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $3,705
Insurance broker organization code?3
Insurance broker nameMATTHEW DOWLAND
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (National Association of Insurance Commissioners NAIC id number: 64246 )
Policy contract number00345836
Policy instance 1
Insurance contract or identification number00345836
Number of Individuals Covered128
Insurance policy start date2012-02-01
Insurance policy end date2013-01-31
Total amount of commissions paid to insurance brokerUSD $3,538
Total amount of fees paid to insurance companyUSD $0
Contract purchased, in whole or in part, to distribute benefits from a terminating planNo
Contracts With Unallocated Funds Deposit Administration0
Life Insurance Welfare BenefitYes
Other welfare benefits providedAD&D, OPTIONAL LIFE
Welfare Benefit Premiums Paid to CarrierUSD $28,442
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $3,538
Insurance broker organization code?3
Insurance broker nameMATTHEW DOWLAND
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (National Association of Insurance Commissioners NAIC id number: 64246 )
Policy contract number00345836
Policy instance 1
Insurance contract or identification number00345836
Number of Individuals Covered127
Insurance policy start date2011-02-01
Insurance policy end date2012-01-31
Total amount of commissions paid to insurance brokerUSD $3,398
Total amount of fees paid to insurance companyUSD $0
Contract purchased, in whole or in part, to distribute benefits from a terminating planNo
Contracts With Unallocated Funds Deposit Administration0
Life Insurance Welfare BenefitYes
Other welfare benefits providedAD&D, OPTIONAL LIFE
Welfare Benefit Premiums Paid to CarrierUSD $27,541
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (National Association of Insurance Commissioners NAIC id number: 64246 )
Policy contract number00345836
Policy instance 1
Insurance contract or identification number00345836
Number of Individuals Covered120
Insurance policy start date2010-02-01
Insurance policy end date2011-01-31
Total amount of commissions paid to insurance brokerUSD $3,329
Total amount of fees paid to insurance companyUSD $0
Contract purchased, in whole or in part, to distribute benefits from a terminating planNo
Contracts With Unallocated Funds Deposit Administration0
Life Insurance Welfare BenefitYes
Other welfare benefits providedAD&D, OPTIONAL LIFE
Welfare Benefit Premiums Paid to CarrierUSD $26,527
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?No
Commission paid to Insurance BrokerUSD $3,329
Insurance broker organization code?3
Insurance broker nameMATTHEW DOWLAND

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