| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINTERS INSURANCE GROUP LLP3 Filed as: WINTERS INSURANCE GROUP | 201 S 5TH ST QUINCY, IL 62301 | HM LIFE INSURANCE COMPANY | $47K | — | $47K | 14.00% |
| BAS3 | — | HM LIFE INSURANCE COMPANY | $3K | — | $3K | 1.00% |
| GEORGE D CLAYTON & SONS INC.3 Filed as: GEORGE D CLAYTON & SONS INC | 123 NORTH 6TH STREET PO BOX 797 HANNIBAL, MO 63401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.37% |
| CONRAD A DVORAK3 Filed as: CONRAD A DVIRAJ | 2301 E HUNTINGTON DR QUINCY, IL 62301 | AFLAC | $1K | $7 | $1K | 6.86% |
| ETHEL P EBLEN3 | 11116 S TOWNE SQ STE 100 SAINT LOUIS, MO 63123 | AFLAC | $198 | $2 | $200 | 1.11% |
| TRUMAN E WILSON3 | PO BOX 8249 E SIDE STATION ST JOSEPH, MO 64508 | AFLAC | $187 | — | $187 | 1.04% |
| BENJAMIN M PONDER3 | 339 BROADWAY ST STE 136 CAPE GIRARDEAU, MO 63701 | AFLAC | $184 | $1 | $185 | 1.03% |
| BARBARA A BULLION3 | 1200 CREEKSIDE DR APT 715 FOLSOM, CA 95630 | AFLAC | $148 | — | $148 | 0.82% |
| ERNEST A BUCKMAN3 | 2627 NORTHRIDGE DR QUINCY, IL 62305 | AFLAC | $133 | — | $133 | 0.74% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J FRYE | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $101 | — | $101 | 0.56% |
| ERIC MCCLELLAND3 | 6231 N 96TH ST FOWLER, IL 62338 | AFLAC | $99 | — | $99 | 0.55% |
| ETHEL P EBLEN3 | 2705 DOUGHERTY FERRY RD STE 103 ST LOUIS, MO 63122 | AFLAC | $94 | — | $94 | 0.52% |
| THE REVOLUTION LLC3 | 15375 PRIVATE DR 3432 ST JOSEPH, MO 64505 | AFLAC | $72 | — | $72 | 0.40% |
| CHRISTOPHER J BAYER3 | 1416 N BROAD ST GALESBURG, IL 61401 | AFLAC | $61 | — | $61 | 0.34% |
| MICHAEL S MOORE3 | 2630 E CTY RD 1300 N CARTHAGE, IL 62321 | AFLAC | $48 | — | $48 | 0.27% |
| SANDY A GUMM3 | 20417 CTY RD 304 ST JOSEPH, MO 64505 | AFLAC | $44 | — | $44 | 0.24% |
| PETER J SPIRES3 | 6520 NW MELODY LN W PARKVILLE, MO 64152 | AFLAC | $38 | — | $38 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELDON R GALLAHER | 704 E 1900TH ST LIBERTY, IL 62347 | AFLAC | $38 | — | $38 | 0.21% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $34 | — | $34 | 0.19% |
| JOSEPH P BLESSING3 | 910 R ST HANNIBAL, MO 63401 | AFLAC | $28 | — | $28 | 0.16% |
| THE C & S GROUP INC3 | 2301 BURLINGTON ST STE 200 N KANSAS CITY, MO 64116 | AFLAC | $28 | — | $28 | 0.16% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $27 | — | $27 | 0.15% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD STE B LIBERTY, MA 64068 | AFLAC | $21 | — | $21 | 0.12% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $20 | — | $20 | 0.11% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $19 | — | $19 | 0.11% |
| BYRON ALLEN BRAY3 | 3214 18TH AVE BEAVER FALLS, PA 15010 | AFLAC | $16 | — | $16 | 0.09% |
| NIPCO INC3 | 1064 SPANISH MOSS CT LAWRENCEVILLE, GA 30045 | AFLAC | $15 | — | $15 | 0.08% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $14 | — | $14 | 0.08% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $14 | — | $14 | 0.08% |
| RANDY D ARNOLD3 | 115 E 4TH ST STE 2 AND 4 MARYVILLE, MO 64468 | AFLAC | $12 | — | $12 | 0.07% |
| KRISTY GRAMLICH INC4 | 455 S SAM BARR DR STE 205 KEARNEY, MO 64468 | AFLAC | $12 | — | $12 | 0.07% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $11 | — | $11 | 0.06% |
| JOHNNA L BEEMER3 | 115 E 4TH ST STE 4 MARYVILLE, MO 64468 | AFLAC | $11 | — | $11 | 0.06% |
| KAMARA K ROACH3 | 15280 PRIVATE DR 3432 ST JOSEPH, MO 64505 | AFLAC | $8 | — | $8 | 0.04% |
| MARNIE S. CLAWSON3 Filed as: MARNIE S CLAWSOM | PO BOX 6631 LEAWOOD, KS 66206 | AFLAC | $8 | — | $8 | 0.04% |
| CHRISTIE MARZARI3 | 1932 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $7 | — | $7 | 0.04% |
| K GRAMLICH INC3 | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC | $6 | — | $6 | 0.03% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $5 | — | $5 | 0.03% |
| GREGORY J SHARP3 | 702 E 5TH WAY COAL VALLEY, IL 61240 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL L PACKARD3 | 298 CONWICK DR JACKSONVILLE, FL 32218 | AFLAC | $4 | — | $4 | 0.02% |
| TRAVIS COCKBURN3 Filed as: TRAVIS J COCKBURN | 402 N MAIN ST BENTON, IL 62812 | AFLAC | $4 | — | $4 | 0.02% |
| GEORGE P OWENS3 | 653 N ANTLER DR MT ZION, IL 62549 | AFLAC | $3 | — | $3 | 0.02% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $3 | — | $3 | 0.02% |
| JASON HOFFARD3 | 3415 OFFICE PARK DR STE C MARION, IL 62959 | AFLAC | $2 | — | $2 | 0.01% |
| MARTHA MONCKTON3 | 2411 E GRANDVIEW AVE PEORIA, IL 61614 | AFLAC | $2 | — | $2 | 0.01% |
| GAYE S WRIGHT3 | 2760 JAMES LN SEDALIE, MO 65301 | AFLAC | $2 | — | $2 | 0.01% |
| ROSEMARY ZERBONIA3 | 244 HUMMINGBIRD LN HANNIBAL, MO 63401 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL A ORTIZ3 | 3219 RENARD LN ST CHARLES, IL 60175 | AFLAC | $1 | — | $1 | 0.01% |
| KYLE J HORN3 | 2119 W GERALD DR PEORIA, IL 61615 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LN TWIN LAKE, MI 49457 | AFLAC | $1 | — | $1 | 0.01% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $1 | — | $1 | 0.01% |
| ERIC MCCLELLAND3 Filed as: ERIC M MCCLELLAND | 6231 NORTH 96TH STREET FOWLER, IL 62338 | CONTINENTAL AMERICAN INSURANCE COMPANY | $338 | — | $338 | 2.72% |
| CONRAD A DVORAK3 | 2301 EAST HUNTINGTON QUINCY, IL 62301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | — | $292 | 2.35% |
| CHRISTOPHER J BAYER3 | 1416 NORTH BROAD STREET GALESBURG, IL 61401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | — | $148 | 1.19% |
| HNB NATIONAL BANK3 | PO BOX 1107 HANNIBAL, MO 63401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | — | $137 | 1.10% |
| ELAINA A WRINKLE3 | 404 TICKSEED AVENUE SAVOY, IL 61874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 0.70% |
| TERRY J SILVERS3 | 120 WEST ALLEN STREET HENDERSONVILLE, NC 28792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.65% |
| TRAVIS COCKBURN3 | 402 NORTH MAIN STREET BENTON, IL 62812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.17% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.15% |
| COLIN M JONES3 | 1125 HAMPSHIRE SUITE 201 QUINCY, IL 62301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.15% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVENUE SAVOY, IL 61874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| VICKI S LYNN3 | PO BOX 164 408 WEST MAIN APRENZILLE, IL 62611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| RICHARD MINOR3 Filed as: RICHARD V MINOR | CLARE ZANGER 123 NORTH 6TH STREET HANNIBAL, MO 63401 | KANSAS CITY LIFE INSURANCE COMPANY | $951 | — | $951 | 10.09% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $111K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $111K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $111K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 75 | $9K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $111K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 97 | $333K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $142K |
| 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.