| 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 | $50K | — | $50K | 5.00% |
| PECKS INSURANCE AND FINANCIAL SERVI3 Filed as: PECKS INSURANCE & FINANCIAL SERVICS | 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | AETNA LIFE INSURANCE CO | $43K | — | $43K | 4.98% |
| PECKS INSURANCE AND FINANCIAL SERVI3 | 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.92% |
| PECKS INSURANCE AND FINANCIAL SERVI3 | 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 11.93% |
| TGL ASSOCIATES LLC3 Filed as: TGL ASOCIATES LLC | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $163 | $2K | 3.87% |
| CONNIE J ZIMMERMAN3 | 2155 SOUTH WESTERN AVENUE SPRINGFIELD, MO 65807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.55% |
| LANA L WILHITE LLC3 Filed as: LANA L WHLHITE LLC | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $849 | $23 | $872 | 1.73% |
| GAYE ANN HOLLOMAN3 | 3938 SOUTH LONE PINE AVENUE APARTMENT B210 SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $725 | $66 | $791 | 1.57% |
| ANN MARIE THOMAS LLC3 | 417 SOUTH MCGREGOR STREET CARTHAGE, MO 64836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $669 | $21 | $690 | 1.37% |
| RALPH E ZIMMERMAN3 | 248 EAST MONASTERY STREET #237 SPRINGFIELD, MO 65810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | — | $247 | 0.49% |
| TAMMY HALL3 | 1006 EAST CAMORENE STREET SPRINGFIELD, MO 65803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| RICHARD RILEY3 | 565 WEST BRYANT APARTMENT 207 SPRINGFIELD, MO 65810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.03% |
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 | 268 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 157 | $1.9M |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 147 | $183K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 147 | $183K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 147 | $233K |
| Short-term disability(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 147 | $233K |
| Other(5 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 287 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.