| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINTERS INSURANCE GROUP LLP3 Filed as: WINTERS INSURANCE GROUP | — | UNITED STATES FIRE INSURANCE COMPANY | $53K | — | $53K | 14.00% |
| BAS3 | — | UNITED STATES FIRE INSURANCE COMPANY | $4K | — | $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 | $7K | — | $7K | 6.91% |
| CLARE ZANGER3 | PO BOX 797 HANNIBAL, MO 63401 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.34% |
| MINOR RICHARD V3 | CLARE ZANGER 123 NORTH 6TH STREET HANNIBAL, MO 63401 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.53% |
| CONRAD A DVORAK3 | 2301 EAST HUNTINGTON DRIVE QUINCY, IL 62301 | AFLAC | $1K | $113 | $2K | 6.63% |
| COLIN M JONES3 Filed as: COLIN JONES | 1512 STONE CREEK DRIVE QUINCY, IL 62305 | AFLAC | $248 | $23 | $271 | 1.15% |
| TRUMAN E WILSON3 | PO BOX 8249 EAST SIDE STATION ST JOSEPH, MO 64508 | AFLAC | $217 | — | $217 | 0.92% |
| ETHEL P EBLEN3 | 330 BELLEZZA DRIVE BALLWIN, MO 63021 | AFLAC | $187 | — | $187 | 0.80% |
| BARBARA A BULLION3 Filed as: BARBARA BULLION | 3486 EAST BOOT TRACK TRAIL GILBERT, AZ 85296 | AFLAC | $169 | — | $169 | 0.72% |
| ERNEST A BUCKMAN3 | 2627 NORTHRIDGE DRIVE QUINCY, IL 62305 | AFLAC | $160 | — | $160 | 0.68% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J FRYE | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $115 | — | $115 | 0.49% |
| ERIC MCCLELLAND3 | 6231 NORTH 96TH STREET FOWLER, IL 62338 | AFLAC | $107 | — | $107 | 0.46% |
| BENJAMIN M PONDER3 | 339 BROADWAY STREET SUITE 136 CAPE GIRARDEAU, MO 63701 | AFLAC | $97 | — | $97 | 0.41% |
| DEVIN PEGRAM BALL3 | 1450 LENHART ROAD SPRINGFIELD, IL 62711 | AFLAC | $85 | — | $85 | 0.36% |
| VICKI S LYNN3 Filed as: VICKI LYNN | 408 WEST MAIN STREET ARENZVILLE, IL 62611 | AFLAC | $61 | $23 | $84 | 0.36% |
| CHRISTOPHER J BAYER3 | 1416 NORTH BROAD STREET GALESBURG, IL 61401 | AFLAC | $62 | — | $62 | 0.26% |
| SANDY A GUMM3 | 20427 COUNTY ROAD 304 ST JOSEPH, MO 64505 | AFLAC | $53 | — | $53 | 0.23% |
| PETER J SPIRES3 | 6520 NORTHWEST MELODY LANE WEST PARKVILLE, MO 64152 | AFLAC | $45 | — | $45 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELDON R GALLAHER | 704 EAST 1900TH STREET LIBERTY, IL 62347 | AFLAC | $44 | — | $44 | 0.19% |
| THE REVOLUTION LLC3 | 25 COURT DRIVE ST JOSEPH, MO 64506 | AFLAC | $38 | — | $38 | 0.16% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $34 | — | $34 | 0.14% |
| MICHAEL S MOORE3 | 2630 EAST COUNTY ROAD 1300 NORTH CARTHAGE, IL 62321 | AFLAC | $33 | — | $33 | 0.14% |
| JOSEPH P BLESSING3 | 910 R STREET HANNIBAL, MO 63401 | AFLAC | $32 | — | $32 | 0.14% |
| TYE ELLIOTT3 | 1300 NORTH INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $32 | — | $32 | 0.14% |
| WESNER ENTERPRISES LLC3 | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MA 64068 | AFLAC | $24 | — | $24 | 0.10% |
| CHAD J BASLER3 Filed as: CHAD BASLER | 460 NORTHEAST LAKES EDGE DRIVE LEES SUMMIT, MO 64064 | AFLAC | $22 | — | $22 | 0.09% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $21 | — | $21 | 0.09% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $19 | — | $19 | 0.08% |
| NIPCO INC3 | 1064 SPANISH MOSS COURT LAWRENCEVILLE, GA 30045 | AFLAC | $17 | — | $17 | 0.07% |
| ELIZABETH M GASPAROVIC3 | 18 NORTH SMITH STREET PALATINE, IL 60067 | AFLAC | $17 | — | $17 | 0.07% |
| RANDY D ARNOLD3 | 115 EAST 4TH STREET SUITE 2 AND 4 MARYVILLE, MO 64468 | AFLAC | $15 | — | $15 | 0.06% |
| KRISTY GRAMLICH INC3 | 110 WESTWOODS DRIVE LIBERTY, MO 64468 | AFLAC | $14 | — | $14 | 0.06% |
| JOHNNA L BEEMER3 | 115 EAST 4TH STREET SUITE 4 MARYVILLE, MO 64468 | AFLAC | $14 | — | $14 | 0.06% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $13 | — | $13 | 0.06% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $12 | — | $12 | 0.05% |
| KELLY THOMAS3 | 9800 OLD BASS ROAD EUGENE, MO 65032 | AFLAC | $11 | — | $11 | 0.05% |
| BARBARA A BULLION3 | 1200 CREEKSIDE DRIVE APARTMENT 715 FOLSOM, CA 95630 | AFLAC | $8 | — | $8 | 0.03% |
| CHRISTIE MARZARI3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $7 | — | $7 | 0.03% |
| K GRAMLICH INC3 | 110 WESTWOODS DRIVE LIBERTY, MO 64068 | AFLAC | $7 | — | $7 | 0.03% |
| GREGORY J SHARP3 | 702 EAST 5TH STREET COAL VALLEY, IL 61240 | AFLAC | $5 | — | $5 | 0.02% |
| MICHAEL L PACKARD3 | 298 CONWICK DRIVE JACKSONVILLE, FL 32218 | AFLAC | $4 | — | $4 | 0.02% |
| TRAVIS COCKBURN3 Filed as: TRAVIS J COCKBURN | PO BOX 335 JOHNSTON CITY, IA 62951 | AFLAC | $4 | — | $4 | 0.02% |
| KAMARA K ROACH3 | 15280 PRIVATE DRIVE 3432 ST JOSEPH, MO 64505 | AFLAC | $4 | — | $4 | 0.02% |
| CONSTANCE I LAGER3 | 5109 NORTHEAST 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $4 | — | $4 | 0.02% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 SOUTH STEWART AVENUE SPRINGFIELD, MO 65804 | AFLAC | $3 | — | $3 | 0.01% |
| GEORGE P OWENS3 | 653 NORTH ANTLER DRIVE MT ZION, IL 62549 | AFLAC | $2 | — | $2 | 0.01% |
| JASON HOFFARD3 | 3415 OFFICE PARK DRIVE SUITE C MARION, IL 62959 | AFLAC | $2 | — | $2 | 0.01% |
| MARTHA MONCKTON3 | 2411 EAST GRANDVIEW AVENUE PEORIA, IL 61614 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL A ORTIZ3 | 3219 RENARD LANE ST CHARLES, IL 60175 | AFLAC | $2 | — | $2 | 0.01% |
| BRADLEY T VANDEGRIFFE3 | 6025 BRADFORD COURT JEFFERSON CITY, MO 65101 | AFLAC | $2 | — | $2 | 0.01% |
| ALLEN CALK3 | 3627 WEST BLOMFIELD ROAD PHOENIX, AZ 85029 | AFLAC | $2 | — | $2 | 0.01% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.00% |
| KYLE J HORN3 | 2119 WEST GERALD DRIVE PEORIA, IL 61615 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES A SMAARDYK3 | 157 LONG MEADOW LANE ROTONDA WEST, FL 33947 | AFLAC | $1 | — | $1 | 0.00% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.00% |
| BRADLEY K HARRISON3 | 3432 WEST TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $1 | — | $1 | 0.00% |
| ERIC MCCLELLAND3 Filed as: ERIC M MCCLELLAND | 6231 NORTH 96TH STREET FOWLER, IL 62338 | CONTINENTAL AMERICAN INSURANCE COMPANY | $287 | — | $287 | 2.63% |
| CONRAD A DVORAK3 | 2301 EAST HUNTINGTON QUINCY, IL 62301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $236 | — | $236 | 2.17% |
| CHRISTOPHER J BAYER3 | 1416 NORTH BROAD STREET GALESBURG, IL 61401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 1.18% |
| HNB NATIONAL BANK3 | PO BOX 1107 HANNIBAL, MO 63401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | — | $110 | 1.01% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVENUE SAVOY, IL 61874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.69% |
| TERRY J SILVERS3 | 120 WEST ALLEN STREET HENDERSONVILLE, NC 28792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.64% |
| TRAVIS COCKBURN3 | 402 NORTH MAIN STREET BENTON, IL 62812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.17% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.15% |
| COLIN M JONES3 | 1125 HAMPSHIRE SUITE 201 QUINCY, IL 62301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.07% |
| DEVIN M PEGRAM3 | 1450 LENHART ROAD SPRINGFIELD, IL 62711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVENUE SAVOY, IN 61874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| 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 | 114 | $25K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 114 | $25K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 103 | $375K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $162K |
| 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."
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.