| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PECKS INSURANCE AND FINANCIAL SERVI3 Filed as: PECKS INSURANCE & FINANCIAL SERVICE | 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | COVENTRY HEALTH AND LIFE | $34K | — | $34K | 5.00% |
| PECKS INSURANCE AND FINANCIAL SERVI3 Filed as: PECKS INSURANCE & FINANCIAL SERVIC | 3861 SOUTH JEFFERSON SPRINGFIELD, MO 65807 | COVENTRY HEALTH AND LIFE | $30K | — | $30K | 5.52% |
| PECKS INSURANCE AND FINANCIAL SERVI3 Filed as: PECKS INSURANCE & FINANCIAL SERVIC | 3861 SOUTH JEFFERSON SPRINGFIELD, MO 65807 | AETNA LIFE INSURANCE COMPANY | $7K | $3K | $9K | 12.72% |
| RALPH E ZIMMERMAN3 | 2051 EAST NORSHIRE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $181 | $5K | 9.26% |
| LANA L WILHITE LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $942 | $52 | $994 | 1.85% |
| WILLIAM NEAL SCHUMAKER3 | PO BOX 989 NIXA, MO 65714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $605 | $24 | $629 | 1.17% |
| TGL ASSOCIATES LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $471 | $17 | $488 | 0.91% |
| DEBORAH L MCCURTER3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $331 | $8 | $339 | 0.63% |
| DALE E WASHBURN3 | 133 POINT SEVEN ROAD KIMBERLING CITY, MO 65686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | $29 | $277 | 0.52% |
| RICHARD RILEY3 Filed as: RICHARD A RILEY | 5714 EAST COLBY ROAD MESA, AZ 85205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.11% |
| TAMMY HALL3 | 1006 EAST CAMORENE STREET SPRINGFIELD, MO 65803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| PECKS INSURANCE AND FINANCIAL SERVI3 Filed as: PECKS INSURANCE & FINANCIAL | SERVICES INC 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 9.13% |
| BETTER INS DESIGNS OF3 Filed as: BETTER INS DESIGN OF SPRINGFIELD | 2042 SOUTH BRENTWOOD BOULEVARD SUITE 116B SPRINGFIELD, MO 65804 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 2.26% |
| LAUNA JO BOATMAN3 | 1819 EAST HOLIDAY STREET SPRINGFIELD, MO 65804 | UNION SECURITY INSURANCE COMPANY | $442 | — | $442 | 0.87% |
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 | 337 | 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) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | COVENTRY HEALTH AND LIFE | 119 | $1.3M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 195 | $122K |
| Vision | AETNA LIFE INSURANCE COMPANY | 195 | $71K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 195 | $176K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 195 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.