| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $164K | $12K | $177K | 1.20% |
| GREGORY GILBERT WHERRY3 Filed as: GREGORY WHERRY | 1406 WINDGATE WAY LANE CHESTERFIELD, MO 63005 | AFLAC | $43K | $0 | $43K | 8.20% |
| MJ INSURANCE3 Filed as: MATTHEW SMITH AND VARIOUS AGENTS | 11142 SAINT CHARLES PLACE CARMEL, IN 46033 | AFLAC | $37K | $2K | $39K | 7.39% |
| MICHAEL ELLIS3 | 532 GARRICK PLACE OFALLON, MO 63368 | AFLAC | $35K | $2K | $37K | 6.92% |
| JAMES BURRESS3 | 8755 OGDEN DUNES DRIVE CAMBY, IN 46113 | AFLAC | $23K | $2K | $24K | 4.63% |
| JOSHUA JONES3 | 1307 CAMPANIA NEW BRAUNFELS, TX 78132 | AFLAC | $11K | $745 | $12K | 2.27% |
| TAMARA JONES3 | 22218 TUMBLEWEED DRIVE OFALLON, MO 63368 | AFLAC | $7K | $0 | $7K | 1.34% |
| DALE WHITMORE3 | 2343 OAK TIMBER DRIVE OFALLON, MO 63368 | AFLAC | $6K | $98 | $6K | 1.22% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ONEAMERICA | $12K | $0 | $12K | 10.00% |
| MJ INSURANCE3 Filed as: JUSTIN COX AND VARIOUS AGENTS | 92 NORTH VALLEY TRAIL EUREKA, MO 63025 | AFLAC | $5K | $97 | $5K | 5.24% |
| MICHAEL ELLIS3 | 532 GARRICK PLACE OFALLON, MO 63368 | AFLAC | $4K | $194 | $4K | 4.08% |
| GREGORY GILBERT WHERRY3 Filed as: GREGORY WHERRY | 1406 WINDGATE WAY LANE CHESTERFIELD, MO 63005 | AFLAC | $2K | $0 | $2K | 2.29% |
| BRITT F PARK3 Filed as: BRITT PARK | 1971 BRIARWOOD DRIVE CAPE GIRARDEAU, MO 63701 | AFLAC | $1K | $0 | $1K | 1.35% |
| ASSOCIATED INSURANCE GROUP3 | 150 WELDON PARKWAY, SUITE 100 MARYLAND HEIGHTS, MO 63043 | AFLAC | $1K | $0 | $1K | 1.20% |
| JOSHUA JONES3 | 1307 CAMPANIA NEW BRAUNFELS, TX 78132 | AFLAC | $812 | $60 | $872 | 0.94% |
| DALE WHITMORE3 | 2343 OAK TIMBER DRIVE OFALLON, MO 63368 | AFLAC | $753 | $0 | $753 | 0.81% |
| HILLENBRAND INSURANCE SERVICES3 Filed as: HILLENBRAND INSURANCE GROUP INC. | 12404 CABOT MANOR CIRCLE SAINT LOUIS, MO 63141 | UNUM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
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 | 2,325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 5,918 | $14.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 5,918 | $14.7M |
| Vision | AETNA LIFE INSURANCE COMPANY | 5,918 | $14.7M |
| Life insurance(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 5,918 | $15.5M |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 5,918 | $15.3M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 5,918 | $14.7M |
| Other(6 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 5,918 | $15.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,918 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.