| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PECKS INSURANCE AND FINANCIAL SERVI3 Filed as: PECKS INSURANCE & FINANCIAL SERVICS | 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | AETNA LIFE INSURANCE CO | $54K | — | $54K | 5.37% |
| PECK'S INSURANCE & FINANCIAL SERVIC3 | 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | AETNA LIFE INSURANCE COMPANY | $43K | — | $43K | 5.00% |
| PECKS INSURANCE AND FINANCIAL SERVI3 | 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.18% |
| TGL ASSOCIATES LLC3 Filed as: TGL ASOCIATES LLC | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $935 | $3K | 5.95% |
| RALPH E ZIMMERMAN3 | 934 EAST MONASTERY STREET SPRINGFIELD, MO 65810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.62% |
| GAYE ANN HOLLOMAN3 | 934 EAST WEBSTER STREET SPRINGFIELD, MO 65802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $888 | $43 | $931 | 1.84% |
| LANA L WILHITE LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $916 | $14 | $930 | 1.84% |
| ANN MARIE THOMAS LLC3 | 417 SOUTH MCGREGOR STREET CARTHAGE, MO 64836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $640 | $41 | $681 | 1.35% |
| DEBORAH L MCCURTER3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.04% |
| TAMMY HALL3 | 1006 EAST CAMORENA STREET SPRINGFIELD, MO 65803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| RICHARD RILEY3 | 503 SOUTH SARAH AVENUE REPUBLIC, MO 65738 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| DALE E WASHBURN3 | 133 POINT SEVEN ROAD KIMBERLING CITY, MO 65686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 175 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $92K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $92K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $142K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 53 | $50K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.