| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINTERS INSURANCE GROUP LLP3 Filed as: WINTERS INSURANCE GROUP | — | HM LIFE INSURANCE COMPANY | $33K | — | $33K | 14.00% |
| BAS3 | — | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| GEORGE D CLAYTON & SONS INC.3 | 123 NORTH 6TH STREET PO BOX 797 HANNIBAL, MO 63401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 9.54% |
| RICHARD MINOR3 | BDC INSURANCE SERVICE 123 NORTH 6TH STREET HANNIBAL, MO 63401 | KANSAS CITY LIFE INSURANCE COMPANY | $787 | — | $787 | 10.72% |
| CONRAD A DVORAK3 | 2301 EAST HUNTINGTON QUINCY, IL 62301 | AFLAC | $2K | $66 | $2K | — |
| ETHEL EBLEN3 | 1125 HAMPSHIRE STREET QUINCY, ID 62301 | AFLAC | $259 | $1 | $260 | — |
| ERIC MCCLELLAND3 | 510 MAINE STREET SUITE 806 QUINCY, IL 62301 | AFLAC | $229 | $12 | $241 | — |
| BENJAMIN M PONDER3 Filed as: BENJAMIN PONDER | 1111 WEST MORTON AVENUE SUITE 11 JACKSONVILLE, IL 62650 | AFLAC | $196 | $13 | $209 | — |
| ERNEST A BUCKMAN3 | 2627 NORTHRIDGE DRIVE QUINCY, IL 62305 | AFLAC | $133 | — | $133 | — |
| CHRISTOPHER J BAYER3 | 127 NORTH CHERRY STREET GALESBURG, IL 61401 | AFLAC | $120 | — | $120 | — |
| JOSEPH P BLESSING3 | 910 R STREET HANNIBAL, MO 63401 | AFLAC | $77 | — | $77 | — |
| ROSEMARY ZERBONIA3 | 244 HUMMINGBIRD LANE HANNIBAL, MO 63401 | AFLAC | $67 | — | $67 | — |
| GAYE S WRIGHT3 | 2300 WEST COUNTRY CLUB DRIVE SEDALIA, MO 65301 | AFLAC | $61 | — | $61 | — |
| MICHAEL S MOORE3 | 2630 EAST COUNTY ROAD 1300 CARTHAGE, IL 62321 | AFLAC | $59 | — | $59 | — |
| JASON B PECAUT3 | 211 MARSHALL STREET JEFFERSON CITY, MO 65101 | AFLAC | $38 | — | $38 | — |
| RONALD E KIRKLAND3 | 4 SOTHEBY PLACE SOUTHEAST GURLEY, AL 35748 | AFLAC | $36 | — | $36 | — |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $35 | — | $35 | — |
| BYRON ALLEN BRAY3 | 3214 18TH AVENUE BEAVER FALLS, PA 15010 | AFLAC | $33 | — | $33 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELDON R GALLAHER | 704 EAST 1900TH STREET LIBERTY, IN 62347 | AFLAC | $30 | — | $30 | — |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $27 | — | $27 | — |
| OVERCOMER LLC3 | 5109 NORTHEAST 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $25 | — | $25 | — |
| BRADLEY K HARRISON3 | 3432 WEST TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $25 | — | $25 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELDON R GALLAHER | 529 HAMPSHIRE STREET SUITE 617 QUINCY, IL 62301 | AFLAC | $23 | — | $23 | — |
| TRAVIS COCKBURN3 Filed as: TRAVIS J COCKBURN | 402 NORTH MAIN STREET BENTON, IL 62812 | AFLAC | $10 | $12 | $22 | — |
| SHANE M RIDENHOUR3 | 211 MARSHALL STREET JEFFERSON CITY, MO 65101 | AFLAC | $20 | — | $20 | — |
| WESNER ENTERPRISES LLC3 | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $20 | — | $20 | — |
| MARNIE S. CLAWSON3 Filed as: MARNIE S CLASWON | PO BOX 6631 LEAWOOD, KS 66206 | AFLAC | $16 | — | $16 | — |
| CONSTANCE I LAGER3 | 5109 NORTHEAST 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $15 | — | $15 | — |
| JOHN TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $15 | — | $15 | — |
| ELIZABETH M GASPAROVIC3 | 1531 WEST RUE JAMES PLACE PALATINE, IL 60067 | AFLAC | $14 | — | $14 | — |
| TIMOTHY ASBY3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | AFLAC | $11 | — | $11 | — |
| KRISTY GRAMLICH INC3 | 7509 NORTHWEST TIFFANY SPRINGS PARK SUITE 100 KANSAS CITY, MO 64153 | AFLAC | $5 | — | $5 | — |
| RICK W THOMAS3 | 3319 NORTH TOWER ROAD QUINCY, IL 62305 | AFLAC | $3 | — | $3 | — |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J FRYE | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $3 | — | $3 | — |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $3 | — | $3 | — |
| MICHAEL D MOORE3 | 18705 EAST 200TH STREET BLANDINSVILLE, IL 61420 | AFLAC | $3 | — | $3 | — |
| K GRAMLICH INC3 | 7509 NORTHWEST TIFFANY SPRINGS SUITE 100 KANSAS CITY, MO 64153 | AFLAC | $3 | — | $3 | — |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE & ASSOCIATES, INC | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $3 | — | $3 | — |
| STEVE M KRUEGER3 | 1507 CURTIS CREEK ROAD QUINCY, IL 62301 | AFLAC | $1 | — | $1 | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DAVID M BROWN | 2200 GRAYSTONE DRIVE ST CHARLES, MO 63303 | AFLAC | $1 | — | $1 | — |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 26 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $93K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $93K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $93K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 67 | $7K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $93K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 94 | $236K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.