| 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 | WESTPORT INSURANCE CORPORATION | $57K | $2K | $59K | 14.00% |
| BAS3 | — | WESTPORT INSURANCE CORPORATION | $4K | $136 | $4K | 1.00% |
| FIRST STATE INSURANCE AGENCY3 Filed as: FIRST STATE INSURANCE AGENCY I | 123 NORTH 6TH STREET PO BOX 797 HANNIBAL, MO 63401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.20% |
| CONRAD A DVORAK3 | 2301 E HUNTINGTON DR QUINCY, IL 62301 | AFLAC | $2K | $74 | $2K | 8.65% |
| COLIN M JONES3 Filed as: COLIN JONES | 1512 STONE CREEK DR QUINCY, IL 62305 | AFLAC | $276 | — | $276 | 1.18% |
| ETHEL P EBLEN3 | 330 BELLEZZA DR BALLWIN, MO 63021 | AFLAC | $203 | $15 | $218 | 0.94% |
| TRUMAN WILSON TRUST3 | PO BOX 3749 LAWRENCE, KS 66047 | AFLAC | $217 | — | $217 | 0.93% |
| VICKI S LYNN3 Filed as: VICKI LYNN | 408 W MAIN ST ARENZVILLE, IL 62611 | AFLAC | $181 | — | $181 | 0.78% |
| BARBARA A BULLION3 Filed as: BARBARA BULLION | 3486 E BOOT TRACK TRL GILBERT, AZ 85296 | AFLAC | $177 | — | $177 | 0.76% |
| ERNEST A BUCKMAN3 | 2627 NORTHRIDGE DR QUINCY, IL 62305 | AFLAC | $160 | — | $160 | 0.69% |
| BENJAMIN M PONDER3 | 339 BROADWAY ST SUITE 136 CAPE GIRARDEAU, MO 63701 | AFLAC | $117 | $15 | $132 | 0.57% |
| ERIC MCCLELLAND3 | 6231 N 96TH ST FOWLER, IL 62338 | AFLAC | $118 | — | $118 | 0.51% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J FRYE | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $115 | — | $115 | 0.49% |
| CHRISTOPHER J BAYER3 | 1416 N BROAD ST GALESBURG, IL 61401 | AFLAC | $74 | — | $74 | 0.32% |
| MICHAEL S MOORE3 | 2630 E CTY RD 1300 N CARTHAGE, IL 62321 | AFLAC | $57 | — | $57 | 0.24% |
| SANDY A GUMM3 | 20427 CTY RD 304 ST JOSEPH, MO 64505 | AFLAC | $53 | — | $53 | 0.23% |
| PETER J SPIRES3 | 6520 NW MELODY LN W PARKVILLE, MO 64152 | AFLAC | $45 | — | $45 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELDON R GALLAHER | 704 E 1900TH ST LIBERTY, IL 62347 | AFLAC | $44 | — | $44 | 0.19% |
| THE REVOLUTION LLC3 | 15375 PRIVATE DR 3432 ST JOSEPH, MO 64505 | AFLAC | $42 | — | $42 | 0.18% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $34 | — | $34 | 0.15% |
| JOSEPH P BLESSING3 | 910 R ST HANNIBAL, MO 63401 | AFLAC | $32 | — | $32 | 0.14% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $32 | — | $32 | 0.14% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD SUITE B LIBERTY, MA 64068 | AFLAC | $25 | — | $25 | 0.11% |
| CHAD J BASLER3 Filed as: CHAD BASLER | 460 NE LAKES EDGE DR LEES SUMMIT, MO 64064 | AFLAC | $24 | — | $24 | 0.10% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $23 | — | $23 | 0.10% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $18 | — | $18 | 0.08% |
| NIPCO INC3 | 1064 SPANISH MOSS CT LAWRENCEVILLE, GA 30045 | AFLAC | $17 | — | $17 | 0.07% |
| ELIZABETH M GASPAROVIC3 | 18 N SMITH ST PALATINE, IL 60067 | AFLAC | $17 | — | $17 | 0.07% |
| RANDY D ARNOLD3 | 115 E 4TH ST SUITE 2 AND 4 MARYVILLE, MO 64468 | AFLAC | $15 | — | $15 | 0.06% |
| KRISTY GRAMLICH INC3 | 110 WESTWOODS DR LIBERTY, MO 64468 | AFLAC | $14 | — | $14 | 0.06% |
| JOHNNA L BEEMER3 | 115 E 4TH ST SUITE 4 MARYVILLE, MO 64468 | AFLAC | $14 | — | $14 | 0.06% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $13 | — | $13 | 0.06% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $12 | — | $12 | 0.05% |
| CHRISTIE MARZARI3 | 1932 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $9 | — | $9 | 0.04% |
| K GRAMLICH INC3 | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC | $7 | — | $7 | 0.03% |
| GREGORY J SHARP3 | 702 E 5TH ST COAL VALLEY, IL 61240 | AFLAC | $5 | — | $5 | 0.02% |
| JOSEPH ZEZZA3 | 448 RUSHFOIL DR COLUMBIA, SC 29229 | AFLAC | $4 | — | $4 | 0.02% |
| KAMARA K ROACH3 | 15280 PRIVATE DR 3432 ST JOSEPH, MO 64505 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL L PACKARD3 | 298 CONWICK DR JACKSONVILLE, FL 32218 | AFLAC | $4 | — | $4 | 0.02% |
| GEORGE P OWENS3 | 653 N ANTLER DR MT ZION, IL 62549 | AFLAC | $3 | — | $3 | 0.01% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 319 N MAIN AVE SUITE 130 SPRINGFIELD, MO 65806 | AFLAC | $3 | — | $3 | 0.01% |
| JASON HOFFARD3 | 3415 OFFICE PARK DR SUITE C MARION, IL 62959 | AFLAC | $3 | — | $3 | 0.01% |
| MARTHA MONCKTON3 | 2411 E GRANDVIEW AVE PEORIA, IL 61614 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL A ORTIZ3 | 3219 RENARD LN ST CHARLES, IL 60175 | AFLAC | $2 | — | $2 | 0.01% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.00% |
| KYLE J HORN3 | 2119 W GERALD DR PEORIA, IL 61615 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES A SMAARDYK3 | 157 LONG MEADOW LN ROTONDA WEST, FL 33947 | AFLAC | $1 | — | $1 | 0.00% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST SUITE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.00% |
| CLARE ZANGER3 | PO BOX 797 HANNIBAL, MO 63401 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | — | $1K | 6.41% |
| MINOR RICHARD V3 | CLARE ZANGER 123 N 6TH STREET HANNIBAL, MO 63401 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.57% |
| ERIC MCCLELLAND3 Filed as: ERIC M MCCLELLAND | 6231 N 96TH STREET FOWLER, IL 62338 | CONTINENTAL AMERICAN INSURANCE COMPANY | $322 | — | $322 | 2.65% |
| CONRAD A DVORAK3 | 2301 EAST HUNTINGTON QUINCY, IL 62301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $287 | — | $287 | 2.36% |
| CHRISTOPHER J BAYER3 | 1416 N BROAD STREET GALESBURG, IL 61401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $144 | — | $144 | 1.19% |
| HNB NATIONAL BANK3 | PO BOX 1107 HANNIBAL, MO 63401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 1.09% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVENUE SAVOY, IL 61874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.77% |
| TERRY J SILVERS3 | 120 W ALLEN STREET HENDERSONVILLE, NC 28792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.65% |
| COLIN M JONES3 | 1125 HAMPSHIRE SUITE 201 QUINCY, IL 62301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.28% |
| TRAVIS COCKBURN3 | 402 N MAIN STREET BENTON, IL 62812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.16% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.15% |
| VICKI S LYNN3 | PO BOX 164 408 W MAIN ARENZVILLE, IL 62611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.09% |
| DEVIN M PEGRAM3 | 1450 LENHART ROAD SPRINGFIELD, IL 62711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.04% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $107K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $107K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $107K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 106 | $22K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 106 | $22K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 101 | $420K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
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.