| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAREN MAINS3 | 548 BEAUCAIRE DRIVE KIRKWOOD, MO 63122 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $34K | — | $34K | 1.28% |
| KAREN MAINS3 | 548 BEAUCAIRE DRIVE KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.31% |
| KAREN MAINS3 | 548 BEAUCAIRE DRIVE KIRKWOOD, MO 63122 | ANTHEM LIFE INSURANCE COMPANY | $8K | — | $8K | 7.17% |
| KAREN MAINS3 | 548 BEAUCAIRE DRIVE KIRKWOOD, MO 63122 | AFLAC | $3K | $75 | $3K | 8.43% |
| CATHERINE M AULBACH3 Filed as: CATHERINE AULBACK | 840 FOXSPRINGS DRIVE CHESTERFIELD, MO 63017 | AFLAC | $359 | — | $359 | 1.11% |
| KENT HORSMAN3 | 14162 LADUE ROAD CHESTERFIELD, MO 63017 | AFLAC | $224 | — | $224 | 0.69% |
| MARIO HAIFA3 | 1195 WASHINGTON PIKE, SUITE 300 BRIDGEVILLE, PA 15017 | AFLAC | $204 | — | $204 | 0.63% |
| JEREMY BROCKMAN3 | 11712 SAND CASTLE LANE PANAMA CITY BEACH, FL 32407 | AFLAC | $199 | — | $199 | 0.62% |
| JOSEPH E PUPEK JR Filed as: JOSEPH E. PUPEK, JR. | 327 S. WALNUT STREET FLORENCE, AL 35630 | AFLAC | $115 | — | $115 | 0.36% |
| JOSHUA LEE JONES | 18032 DEERCLIFF COURT GLENCOE, MO 63038 | AFLAC | $105 | — | $105 | 0.33% |
| GREGORY J. RUPP3 | 5010 GROVE WEST BLVD, APT. 101 STAFFORD, TX 77477 | AFLAC | $100 | — | $100 | 0.31% |
| TYE ELLIOTT3 | 1300 N. INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $91 | — | $91 | 0.28% |
| BRADLEY K HARRISON Filed as: BRADLEY K. HARRISON | 3432 W. TRUMAN BLVD. JEFFERSON CITY, MO 65109 | AFLAC | $79 | — | $79 | 0.24% |
| JEREMY GEISLER INC3 Filed as: JEREMY GEISLER, INC. | 1795 CLARKSON RD., STE. 301 CHESTERFIELD, MO 63017 | AFLAC | $69 | — | $69 | 0.21% |
| JONNELL P ACKELSON3 Filed as: JONNELL P. ACKELSON | 31250 NORTH AVENUE ADEL, IA 50003 | AFLAC | $66 | — | $66 | 0.20% |
| RONALD E KIRKLAND3 Filed as: RONALD E. KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $60 | — | $60 | 0.19% |
| GEISLER INCORPORATED3 | 1795 CLARKSON RD., STE. 301 CHESTERFIELD, MO 63017 | AFLAC | $48 | $10 | $58 | 0.18% |
| BOBBY TOE3 | 5415 LAKEFORD LANE BOWIE, MD 20720 | AFLAC | $43 | — | $43 | 0.13% |
| NATHAN L HARRISON3 Filed as: NATHAN L. HARRISON | 16024 MANCHESTER RD., STE. 200 ELLISVILLE, MO 63011 | AFLAC | $27 | $15 | $42 | 0.13% |
| JULIET MUNSELL | 191 BABBLING BROOK LANE SAINT CHARLES, MO 63303 | AFLAC | $31 | — | $31 | 0.10% |
| GAYE S WRIGHT3 Filed as: GAYE WRIGHT | 2300 W. COUNTRY CLUB DRIVE SEDALIA, MO 65301 | AFLAC | $25 | — | $25 | 0.08% |
| CARA L. MORRIS3 | 522 S. EAST STREET VIRGINIA, IL 62691 | AFLAC | $16 | — | $16 | 0.05% |
| VICKI S LYNN3 Filed as: VICKI S. LYNN | P.O. BOX 164 ARENZVILLE, IL 62611 | AFLAC | $15 | — | $15 | 0.05% |
| HH ASSOCIATES LLC3 Filed as: HH ASSOCIATES, LLC | 3432 W. TRUMAN BLVD. JEFFERSON CITY, MO 65109 | AFLAC | $12 | — | $12 | 0.04% |
| SANDRA M WEBB3 Filed as: SANDRA M. WEBB | 193 RED BUD DRIVE WOOD RIVER, IL 62095 | AFLAC | $8 | — | $8 | 0.02% |
| LISA A. HUGHES3 | 1394 MCGLASSON ROAD JACKSONVILLE, IL 62650 | AFLAC | $8 | — | $8 | 0.02% |
| DAN P. SALVATI3 | 975 STANFORD WAY FAIRVIEW HEIGHTS, IL 62208 | AFLAC | $6 | — | $6 | 0.02% |
| BRYAN C SWYERS3 Filed as: BRYAN C. SWYERS | 2429 HYDE PARK ROAD JEFFERSON CITY, MO 65109 | AFLAC | $6 | — | $6 | 0.02% |
| GEORGE P OWENS3 Filed as: GEORGE P. OWENS | 653 ANTLER DRIVE MT. ZION, IL 62549 | AFLAC | $5 | — | $5 | 0.02% |
| WILLIAM B KRZCIOK3 Filed as: WILLIAM B. KRZCIOK | 2760 FORT MEYER AVENUE HENDERSON, NV 89052 | AFLAC | $4 | — | $4 | 0.01% |
| JEREMY E GEISLER3 Filed as: JEREMY E. GEISLER | 1795 CLARKSON RD., STE. 301 CHESTERFIELD, MO 63017 | AFLAC | $4 | — | $4 | 0.01% |
| GRANT H GLENN3 Filed as: GRANT H. GLENN | 236 S. CHESTNUT STREET CENTRALIA, IL 62801 | AFLAC | $1 | — | $1 | 0.00% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 76 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 662 | $2.6M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 662 | $2.6M |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 662 | $2.6M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 300 | $106K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $158K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $126K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 300 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 662 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.