| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINTERS INSURANCE GROUP LLP3 Filed as: WINTERS INSURANCE GROUP | — | UNITED STATES FIRE INSURANCE COMPANY | $54K | — | $54K | 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 | $8K | — | $8K | 7.02% |
| CLARE ZANGER3 | PO BOX 797 HANNIBAL, MO 63401 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.38% |
| MINOR RICHARD V3 | CLARE ZANGER 123 NORTH 6TH STREET HANNIBAL, MO 63401 | KANSAS CITY LIFE INSURANCE COMPANY | $897 | — | $897 | 3.59% |
| CONRAD A DVORAK3 | 2301 EAST HUNTINGTON DRIVE QUINCY, IL 62301 | AFLAC | $827 | $35 | $862 | 4.09% |
| TRUMAN E WILSON3 | PO BOX 8249 EAST SIDE STATION ST JOSEPH, MO 64508 | AFLAC | $200 | — | $200 | 0.95% |
| ETHEL P EBLEN3 | 330 BELLEZZA DRIVE BALLWIN, MO 63021 | AFLAC | $171 | — | $171 | 0.81% |
| BARBARA A BULLION3 | 3486 EAST BOOT TRACK TRAIL GILBERT, AZ 85296 | AFLAC | $162 | — | $162 | 0.77% |
| ERNEST A BUCKMAN3 | 2627 NORTHRIDGE DRIVE QUINCY, IL 62305 | AFLAC | $146 | — | $146 | 0.69% |
| COLIN M JONES3 Filed as: COLIN JONES | 2751 PATTEN AVENUE GENEVA, IL 60134 | AFLAC | $127 | $8 | $135 | 0.64% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J FRYE | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $108 | — | $108 | 0.51% |
| ERIC MCCLELLAND3 | 6231 NORTH 96TH STREET FOWLER, IL 62338 | AFLAC | $97 | — | $97 | 0.46% |
| BENJAMIN M PONDER3 | 339 BROADWAY STREET SUITE 136 CAPE GIRARDEAU, MO 63701 | AFLAC | $92 | — | $92 | 0.44% |
| HEATHER A BENNETT3 | 28172 STATE HIGHWAY F MARYVILLE, MO 64468 | AFLAC | $69 | — | $69 | 0.33% |
| CHRISTOPHER J BAYER3 | 11 FAIRWAY ROAD GALESBURG, IL 61401 | AFLAC | $56 | — | $56 | 0.27% |
| SANDY A GUMM3 Filed as: SANDY GUMM | 2602 FRANCIS STREET SAINT JOSEPH, MO 64501 | AFLAC | $48 | — | $48 | 0.23% |
| PETERE J SPIRES3 | 6520 NORTHWEST MELODY LANE WEST PARKVILLE, MO 64152 | AFLAC | $42 | — | $42 | 0.20% |
| VICKI S LYNN3 | 408 WEST MAIN STREET ARENZVILLE, IL 62611 | AFLAC | $41 | — | $41 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELDON R GALLAHER | 704 EAST 1900TH STREET LIBERTY, IL 62347 | AFLAC | $40 | — | $40 | 0.19% |
| THE REVOLUTION LLC3 | 25 COURT DRIVE ST JOSEPH, MO 64506 | AFLAC | $35 | — | $35 | 0.17% |
| DANNIELLE STURM3 | 33209 MEADOW ROAD CONCEPTION JUNCTION, MO 64434 | AFLAC | $34 | — | $34 | 0.16% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $31 | — | $31 | 0.15% |
| DEVIN PEGRAM BALL3 | 1450 LENHART ROAD SPRINGFIELD, IL 62711 | AFLAC | $23 | $8 | $31 | 0.15% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $30 | — | $30 | 0.14% |
| JOSEPH P BLESSING3 | 910 R STREET HANNIBAL, MO 63401 | AFLAC | $30 | — | $30 | 0.14% |
| TYE ELLIOTT3 | 1300 NORTH INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $30 | — | $30 | 0.14% |
| MICHAEL S MOORE3 | 2630 EAST COUNTY ROAD 1300 NORTH CARTHAGE, IL 62321 | AFLAC | $28 | — | $28 | 0.13% |
| WESNER ENTERPRISES LLC3 Filed as: WESNER ENETERRPRISES LLC | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $22 | — | $22 | 0.10% |
| CHAD J BASLER3 | 460 NORTHEAST LAKES EDGE DRIVE LEES SUMMIT, MO 64064 | AFLAC | $21 | — | $21 | 0.10% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $19 | — | $19 | 0.09% |
| KELLY THOMAS3 | 9800 OLD BASS ROAD EUGENE, MO 65032 | AFLAC | $19 | — | $19 | 0.09% |
| ELIZABETH M GASPAROVIC3 | 18 NORTH SMITH STREET PALATINE, IL 60067 | AFLAC | $16 | — | $16 | 0.08% |
| NIPCO INC3 | 1064 SPANISH MOSS COURT LAWRENCEVILLE, GA 30045 | AFLAC | $15 | — | $15 | 0.07% |
| RANDY D ARNOLD3 | 115 EAST 4TH STREET SUITE 2 AND 4 MARYVILLE, MO 64468 | AFLAC | $13 | — | $13 | 0.06% |
| JOANNA L BEEMER3 | 115 EAST 4TH STREET SUITE 4 MARYVILLE, MO 64468 | AFLAC | $13 | — | $13 | 0.06% |
| CHRISTI LANE FARNAN3 | 11193 CLUB VIEW DRIVE SAINT JOSEPH, MO 64505 | AFLAC | $12 | — | $12 | 0.06% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $12 | — | $12 | 0.06% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FREY & ASSOCIATES INC | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $11 | — | $11 | 0.05% |
| KRISTY GRAMLICH INC3 | 2301 BURLINGTON STREET SUITE 200 KANSAS CITY, MO 64116 | AFLAC | $10 | — | $10 | 0.05% |
| CHRISTIE MARZARI3 | 202 DUBLIN COURT BRANDON, MS 39047 | AFLAC | $6 | — | $6 | 0.03% |
| K GRAMLICH INC3 | 2301 BURLINGTON STREET SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $5 | — | $5 | 0.02% |
| GREGORY J SHARP3 | 702 EAST 5TH STREET COAL VALLEY, IL 61240 | AFLAC | $5 | — | $5 | 0.02% |
| BRADLEY T VANDEGRIFFE3 | 6025 BRADFORD COURT JEFFERSON CITY, MO 65101 | AFLAC | $4 | — | $4 | 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, IL 62951 | AFLAC | $3 | — | $3 | 0.01% |
| CONSTANCE I LAGER3 | 5109 NORTHEAST 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $3 | — | $3 | 0.01% |
| ALLEN CALK3 | 3627 WEST BLOOMFIELD ROAD PHOENIX, AZ 85029 | AFLAC | $3 | — | $3 | 0.01% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 SOUTH STEWEART AVENUE SPRINGFIELD, MO 65804 | AFLAC | $2 | — | $2 | 0.01% |
| KRISTY GRAMLICH INC3 | 110 WESTWOODS DRIVE LIBERTY, MO 64068 | AFLAC | $2 | — | $2 | 0.01% |
| BRADLEY K HARRISON3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $2 | — | $2 | 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 | 4119 CORNFLOWER ROAD POPLAR GROVE, IL 61065 | AFLAC | $2 | — | $2 | 0.01% |
| KYLE J HORN3 | 2119 WEST GERALD DRIVE PEORIA, IL 61615 | AFLAC | $1 | — | $1 | 0.00% |
| K GRAMLICH INC3 | 110 WESTWOODS DRIVE LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES A SMAARDYK3 | 3972 HOLLIS AVENUE PORT CHARLOTTE, FL 33953 | AFLAC | $1 | — | $1 | 0.00% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.00% |
| AUSTIN J PETERSON3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | 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% |
| TYSON C FUNK3 | 917 CROWN POINTE TERRACE COURT WILDWOOD, MO 63021 | AFLAC | $1 | — | $1 | 0.00% |
| ERIC MCCLELLAND3 | 6231 NORTH 96TH STREET FOWLER, IL 62338 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 1.08% |
| CONRAD A DVORAK3 | 2301 EAST HUNTINGTON QUINCY, IL 62301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.89% |
| CHRISTOPHER J BAYER3 | 1416 NORTH BROAD STREET GALESBURG, IL 61401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.49% |
| HNB NATIONAL BANK3 | PO BOX 1107 HANNIBAL, MO 63401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.42% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVENUE SAVOY, IL 61874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.28% |
| TERRY J SILVERS3 | 120 WEST ALLEN STREET HENDERSONVILLE, NC 28792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.26% |
| TRAVIS COCKBURN3 | 402 NORTH MAIN STREET BENTON, IL 62812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| COLIN M JONES3 | 1125 HAMPSHIRE SUITE 201 QUINCY, IL 62301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| DEVIN M PEGRAM3 | 1450 LENHART ROAD SPRINGFIELD, IL 62711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| ELAINE A WRINKLE3 | 404 TICKSEED AVENUE SAVOY, IL 61874 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 117 | $109K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $109K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $109K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 99 | $25K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 99 | $25K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 100 | $386K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $165K |
| 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.