| 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 | $175K | — | $175K | 14.83% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 EAST LAKEWOOD SPRINGFIELD, MO 65810 | AETNA LIFE INSURANCE COMPANY | $41K | — | $41K | 3.46% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 EAST LAKEWOOD SPRINGFIELD, MO 65810 | AETNA LIFE INSURANCE CO | $36K | — | $36K | 3.47% |
| PECKS INSURANCE AND FINANCIAL SERVI3 Filed as: PECKS INSURANCE & FINANCIAL SERVICS | 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | AETNA LIFE INSURANCE CO | $15K | — | $15K | 1.49% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 EAST LAKEWOOD STREET SPRINGFIELD, MO 65810 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 8.89% |
| PECKS INSURANCE AND FINANCIAL SERVI3 | 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.81% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 EAST LAKEWOOD STREET SPRINGFIELD, MO 65810 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $1K | $10K | 8.84% |
| PECKS INSURANCE AND FINANCIAL SERVI3 Filed as: PECKS INS AND FINANCIAL SERVICES | 3861 SOUTH JEFFERSON AVENUE SPRINGFIELD, MO 65807 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.31% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 EAST LAKEWOOD SPRINGFIELD, MO 65810 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $773 | $6K | 26.71% |
| ENPLOYEE BENEFIT DESIGN LLC3 | 1125 EAST LAKEWOOD STREET SPRINGFIELD, MO 65810 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 EAST LAKEWOOD STREET SPRINGFIELD, MO 65810 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $3K | — | $3K | 75.89% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $182 | — | $182 | 4.22% |
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 | 338 | 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) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 152 | $2.2M |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $222K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $222K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $222K |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $222K |
| Other(7 contracts, 5 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 442 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.