| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINTERS INSURANCE GROUP LLP3 Filed as: WINTERS INSURANCE GROUP | — | HM LIFE INSURANCE COMPANY | $36K | $2K | $38K | 14.72% |
| BAS3 | — | HM LIFE INSURANCE COMPANY | $3K | $132 | $3K | 1.05% |
| GEORGE D CLAYTON & SONS INC.3 | 123 NORTH 6TH STREET PO BOX 797 HANNIBAL, MO 63401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $11K | 11.10% |
| CONRAD A DVORAK3 Filed as: CONRAD DVORAK | 2301 EAST HUNTINGTON DRIVE QUINCY, IL 62301 | AFLAC | $2K | $128 | $2K | 9.84% |
| ETHEL EBLEN3 | 301 OAK STREET SUITE 2-30 QUINCY, ID 62301 | AFLAC | $400 | $26 | $426 | 1.97% |
| BENJAMIN M PONDER3 Filed as: BENJAMIN PONDER | 1111 WEST MORTON AVENUE SUITE 11 JACKSONVILLE, IL 62650 | AFLAC | $269 | $26 | $295 | 1.36% |
| ERIC MCCLELLAND3 | 6231 NORTH 96TH STREET FOWLER, IL 62338 | AFLAC | $197 | — | $197 | 0.91% |
| ERNEST A BUCKMAN3 | 2627 NORTHRIDGE DRIVE QUINCY, IL 62305 | AFLAC | $160 | — | $160 | 0.74% |
| CHRISTOPHER J BAYER3 | 1416 NORTH BROAD STREET GALESBURG, IL 61401 | AFLAC | $106 | — | $106 | 0.49% |
| TRUMAN WILSON TRUST3 | PO BOX 3749 LAWRENCE, KS 66047 | AFLAC | $77 | — | $77 | 0.36% |
| JOSEPH P BLESSING3 | 910 R STREET HANNIBAL, MO 63401 | AFLAC | $70 | — | $70 | 0.32% |
| MICHAEL S MOORE3 | 2630 EAST COUNTY ROAD 1300 CARTHAGE, IL 62321 | AFLAC | $60 | — | $60 | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELDON R GALLAHER | 704 EAST 1900TH STREET LIBERTY, IN 62347 | AFLAC | $52 | — | $52 | 0.24% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J FRYE | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $47 | — | $47 | 0.22% |
| BARBARA A BULLION3 Filed as: BARBARA BULLION | 1006 MOONLIT WAY FOLSOM, CA 95630 | AFLAC | $41 | — | $41 | 0.19% |
| BYRON ALLEN BRAY3 | 3214 18TH AVENUE BEAVER FALLS, PA 15010 | AFLAC | $39 | — | $39 | 0.18% |
| THE REVOLUTION LLC3 | 15375 PRIVATE DRIVE 3432 ST JOSEPH, MO 64505 | AFLAC | $35 | — | $35 | 0.16% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35978 | AFLAC | $34 | — | $34 | 0.16% |
| ROSEMARY ZERBONIA3 | 244 HUMMINGBIRD LANE HANNIBAL, MO 63401 | AFLAC | $34 | — | $34 | 0.16% |
| GAYE S WRIGHT3 | 2300 WEST COUNTRY CLUB DRIVE SEDALIA, MO 65301 | AFLAC | $32 | — | $32 | 0.15% |
| TYE ELLIOTT3 | 1300 NORTH INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $32 | — | $32 | 0.15% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $30 | — | $30 | 0.14% |
| JOHN TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $28 | — | $28 | 0.13% |
| WESNER ENTERPRISES LLC3 | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $24 | — | $24 | 0.11% |
| JOSEPH ZEZZA3 | 9855 NORTH LEWIS AVENUE KANSAS CITY, MO 64157 | AFLAC | $23 | — | $23 | 0.11% |
| MARNIE S. CLAWSON3 Filed as: MARNIE CLAWSON | PO BOX 6631 LEAWOOD, KS 66206 | AFLAC | $19 | — | $19 | 0.09% |
| ELIZABETH M GASPAROVIC3 | 1531 WEST RUE JAMES PLACE PALATINE, IL 60067 | AFLAC | $17 | — | $17 | 0.08% |
| TIMOTHY ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $13 | — | $13 | 0.06% |
| SANDY A GUMM3 Filed as: SANDY GUMM | 20427 COUNTY ROAD 304 SAINT JOSEPH, MO 64505 | AFLAC | $13 | — | $13 | 0.06% |
| PETER J SPIRES3 Filed as: PETER SPIRES | 6521 NORTH WEST MELODY COURT PARKVILLE, MO 64152 | AFLAC | $11 | — | $11 | 0.05% |
| THE C & S GROUP INC3 | 2301 BURLINGTON STREET SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $10 | — | $10 | 0.05% |
| BRADLEY K HARRISON3 | 3432 WEST TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $8 | — | $8 | 0.04% |
| JASON B PECAUT3 Filed as: JASON PECAUT | 211 MARSHALL STREET JEFFERSON CITY, MO 65101 | AFLAC | $8 | — | $8 | 0.04% |
| KRISTY GRAMLICH INC3 | 455 SOUTH SAM BARR DRIVE SUITE 205 KEARNEY, MO 64060 | AFLAC | $7 | — | $7 | 0.03% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE & ASSOCIATES, INC | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $7 | — | $7 | 0.03% |
| KAMARA K ROACH3 Filed as: KAMARA ROACH | 15280 PRIVATE DRIVE 3432 SAINT JOSEPH, MO 64505 | AFLAC | $7 | — | $7 | 0.03% |
| NIPCO INC3 | 1064 SPANISH MOSS COURT LAWRENCEVILLE, GA 30045 | AFLAC | $6 | — | $6 | 0.03% |
| JASON HOFFARD3 | 3416 OFFICE PARK DRIVE SUITE C MARION, IL 62959 | AFLAC | $2 | $3 | $5 | 0.02% |
| TRAVIS COCKBURN3 | 402 NORTH MAIN STREET BENTON, IL 62812 | AFLAC | $4 | — | $4 | 0.02% |
| SHANE M RIDENHOUR3 Filed as: SHANE RIDENHOUR | 3115 GLENSTONE DRIVE JEFFERSON CITY, MO 65109 | AFLAC | $4 | — | $4 | 0.02% |
| RANDY D ARNOLD3 Filed as: RANDY ARNOLD | 115 EAST 4TH STREET MARYVILLE, MO 64468 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL A ORTIZ3 | 3433 VOLTAIRE LANE ST CHARLES, IL 60175 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL D MOORE3 | 18705 EAST 200TH STREET BLANDINSVILLE, IL 61420 | AFLAC | $3 | — | $3 | 0.01% |
| JOHNNA L BEEMER3 Filed as: JOHNNA BEEMER | 115 EAST 4TH STREET SUITE 4 MARYVILLE, MO 64468 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL PACKARD3 | 1906 LAKE DRIVE SMITHVILLE, MO 64089 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTIE MARZARI3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2 | — | $2 | 0.01% |
| MARTHA MONCKTON3 | 2411 EAST GRANDVIEW AVENUE PEORIA, IL 61614 | AFLAC | $2 | — | $2 | 0.01% |
| K GRAMLICH INC3 | 455 SOUTH SAM BARR DRIVE SUITE 205 KEARNEY, MO 64060 | AFLAC | $2 | — | $2 | 0.01% |
| GREGORY SHARP3 | 702 EAST 5TH STREET COAL VALLEY, IL 61240 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIFER SMITH3 | 319 NORTH MAIN AVENUE SUITE 130 SPRINGFIELD, MO 65806 | AFLAC | $1 | — | $1 | 0.00% |
| GEORGE P OWENS3 Filed as: GEORGE OWENS | 653 NORTH ANTLER DRIVE MT ZION, IL 62549 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DAVID M BROWN | 2200 GRAYSTONE DRIVE SAINT CHARLES, MO 63303 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 327 SOUTH WALNUT STREET FLORENCE, AL 35630 | AFLAC | $1 | — | $1 | 0.00% |
| RICHARD MINOR3 | BDC INSURANCE SERVICE 123 NORTH 6TH STREET HANNIBAL, MO 63401 | KANSAS CITY LIFE INSURANCE COMPANY | $752 | — | $752 | 9.64% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 31 | $22K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $103K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $103K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $103K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 72 | $8K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $103K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 100 | $257K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.