| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PECK'S INSURANCE & FINANCIAL SERVIC3 | 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | AETNA LIFE INSURANCE COMPANY | $40K | $4 | $40K | 5.14% |
| PECK'S INSURANCE & FINANCIAL SERVIC3 | 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | AETNA LIFE INSURANCE COMPANY | $40K | $4 | $40K | 5.14% |
| PECKS INSURANCE AND FINANCIAL SERVI3 Filed as: PECKS INSURANCE & FINANCIAL SERVICS | 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | AETNA LIFE INSURANCE CO | $39K | $4 | $39K | 5.24% |
| PECKS INSURANCE AND FINANCIAL SERVI3 | 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 8.99% |
| PECKS INSURANCE AND FINANCIAL SERVI3 Filed as: PECKS INS AND FINANCIAL SERV | 3861 SOUTH JEFFERSON SPRINGFIELD, MO 65807 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 9.13% |
| BETTER INS DESIGNS OF SPRGFLD INC D3 | 1226 EAST MEADOWMERE SPRINGFIELD, MO 65804 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 2.27% |
| LAUNA JO BOATMAN3 | 1819 EAST HOLIDAY STREET SPRINGFIELD, MO 65804 | UNION SECURITY INSURANCE COMPANY | $445 | — | $445 | 0.86% |
| LANA L WILHITE LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $787 | $72 | $859 | 1.86% |
| TGL ASSOCIATES LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $368 | $44 | $412 | 0.89% |
| WILLIAM NEAL SCHUMAKER3 | PO BOX 989 NIXA, MO 65714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $381 | $14 | $395 | 0.85% |
| TAMMY HALL3 | 1006 EAST CAMORENE STREET SPRINGFIELD, MO 65803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| RALPH E ZIMMERMAN3 | 2051 EAST NORSHIRE SPRINGFIELD, MO 65804 | UNION SECURITY INSURANCE COMPANY | $564 | — | $564 | 14.99% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 149 | $2.3M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $127K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $76K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $173K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 6 | $4K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.