| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALL STREET FINANCIAL GRP3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 6.86% |
| WALL STREET FINANCIAL GRP3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 10.00% |
| DEBRA KAY ALDRIDGE3 Filed as: DEBRA GABELSBERGER | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $5K | $619 | $5K | 3.63% |
| JAY HIGGINS3 | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $5K | $326 | $5K | 3.34% |
| WALLSTREET FINANCIAL GROUP INC3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $5K | — | $5K | 3.25% |
| STACEY L LABARBERA3 | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $2K | $419 | $3K | 1.80% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING, INC | 2101 W BROADWAY STE 200 COLUMBIA, MO 65203 | AFLAC | $2K | $323 | $2K | 1.69% |
| CHRISTIE LANDWEHR3 | 225 ANN CT JEFFERSON CITY, MO 65101 | AFLAC | $2K | $521 | $2K | 1.57% |
| BRADLEY K HARRISON3 Filed as: BRADLEY HARRISON | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $1K | $324 | $2K | 1.07% |
| BHW ASSOCIATES LLC3 | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | AFLAC | $1K | — | $1K | 0.72% |
| LESLIE K VERSLUES3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $984 | $50 | $1K | 0.71% |
| AMY COLEEN BERHORST3 | 599 BERHORST TRAIL WESTPHALIA, MO 65085 | AFLAC | $939 | $9 | $948 | 0.66% |
| MARK R HIGGINS3 Filed as: MARK HIGGINS | 515 EAST HIGH STREET SUITE 200 JEFFERSON CITY, MO 65101 | AFLAC | $656 | — | $656 | 0.45% |
| DAVID D CLIBURN3 Filed as: DAVID CLIBURN | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | AFLAC | $494 | — | $494 | 0.34% |
| BRAD D ROARK3 Filed as: BRAD ROARK | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | AFLAC | $431 | — | $431 | 0.30% |
| FRANK HIGGINS3 | 3509 GETTYSBURG PL JEFFERSON CITY, MO 65109 | AFLAC | $305 | — | $305 | 0.21% |
| BRYAN C SWYERS3 Filed as: BRYAN SWYERS | 2429 HYDE PARK DR JEFFERSON CITY, MO 65109 | AFLAC | $294 | — | $294 | 0.20% |
| COURTNEY HURT3 | 5550 PONDEROSA DR WEST DES MOINES, IA 50266 | AFLAC | $215 | — | $215 | 0.15% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $182 | — | $182 | 0.13% |
| JENNIFER LEIGH WEAVER3 Filed as: JENNIFER WEAVER | 211 MARSHALL ST. JEFFERSON CITY, MO 65101 | AFLAC | $163 | — | $163 | 0.11% |
| SHANNON M BRENNEKE3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $132 | — | $132 | 0.09% |
| RONNIE L STAGGS3 Filed as: RONNIE STAGGS | 3327 COUNTRY VIEW CT JEFFERSON CITY, MO 65101 | AFLAC | $127 | — | $127 | 0.09% |
| ALEXANDER I MIRO3 Filed as: ALEXANDER MIRO | 1120 S 6TH ST STE 110 SAINT LOUIS, MO 63104 | AFLAC | $116 | — | $116 | 0.08% |
| PHILIP R BELLIN3 Filed as: PHILIP BELLIN | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | AFLAC | $106 | — | $106 | 0.07% |
| RANDALL A LUECKENOTTE3 | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | AFLAC | $75 | — | $75 | 0.05% |
| SHANE M RIDENHOUR3 Filed as: SHANE RIDENHOUR | 3115 GLENSTONE DR JEFFERSON CITY, MO 65109 | AFLAC | $70 | — | $70 | 0.05% |
| STEVEN R LOCHHEAD JR3 Filed as: STEVEN LOCHHEAD JR. | 423 CASE AVENUE JEFFERSON CITY, MO 65101 | AFLAC | $67 | — | $67 | 0.05% |
| JOSEPH P BLESSING3 Filed as: JOSEPH BLESSING | 910 R ST HANNIBAL, MO 63401 | AFLAC | $62 | — | $62 | 0.04% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY VANDEGRIFFE | 1795 CLARKSON RD SUITE 301 CHESTERFIELD, MO 63017 | AFLAC | $60 | — | $60 | 0.04% |
| NATHAN JONES3 | 406 S STRADLING RD MUNCIE, IN 47304 | AFLAC | $58 | — | $58 | 0.04% |
| GARY STEWART3 | 2429 HYDE PARK RD JEFFERSON CITY, MO 65109 | AFLAC | $44 | — | $44 | 0.03% |
| HH ASSOCIATES LLC3 | 3432 W TRUMAN BLVD JEFFERSON CITY, ME 65109 | AFLAC | $42 | — | $42 | 0.03% |
| JANEANE E BROCKMAN3 Filed as: JANEANE BROCKMAN | 5804 LEATHERBROOK DR COLUMBIA, MO 65203 | AFLAC | $41 | — | $41 | 0.03% |
| WADE L MASONER3 Filed as: WADE MASONER | 175 SPRING AVE HOLTS SUMMIT, ME 65043 | AFLAC | $38 | — | $38 | 0.03% |
| KELLY THOMAS3 | 9800 OLD BASS ROAD EUGENE, MO 65032 | AFLAC | $35 | — | $35 | 0.02% |
| CHRISTINA J AMMONS3 Filed as: CHRISTINA STEGEMAN | 6909 SPRING PARK DR JEFFERSON CITY, MO 65109 | AFLAC | $32 | — | $32 | 0.02% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 327 S WALNUT ST FLORENCE, AL 35630 | AFLAC | $29 | — | $29 | 0.02% |
| ADAM MASSMAN3 | 398 DIX RD STE 101 JEFFERSON CITY, MO 65109 | AFLAC | $23 | — | $23 | 0.02% |
| JOHN SCHAEFFERKOETTER3 | 6002 STERLING RIDGE RD JEFFERSON CITY, MO 65101 | AFLAC | $22 | — | $22 | 0.02% |
| NICHOLAS DESIMONE3 | 4015 LAURA AVE JEFFERSON CITY, MO 65109 | AFLAC | $20 | — | $20 | 0.01% |
| LISA CAMPBELL3 | 3701 CHRISTIAN RIDGE JEFFERSON CITY, MO 65101 | AFLAC | $20 | — | $20 | 0.01% |
| JASON B PECAUT3 Filed as: JASON RALSTON | 520 DIX RD SUITE B JEFFERSON CITY, MO 65109 | AFLAC | $15 | — | $15 | 0.01% |
| DARREN SMILEY3 | 11916 AUDRAIN RD 933 MEXICO, MO 65265 | AFLAC | $15 | — | $15 | 0.01% |
| JEFFREY WEHKING3 | 5612A DEERVALLEY DR JEFFERSON CITY, MO 65109 | AFLAC | $14 | — | $14 | 0.01% |
| MEGAN KEICHER3 | 3605 FALMOUTH DR COLUMBIA, MO 65203 | AFLAC | $13 | — | $13 | 0.01% |
| THOMAS M MCCANN3 Filed as: THOMAS MCCANN | 818 KEVIN DR JEFFERSON CITY, MO 65109 | AFLAC | $12 | — | $12 | 0.01% |
| TRINA KAY BACKUES3 Filed as: TRINA BACKUES | 1212 W HIGHWAY 28 OWENSVILLE, MO 65066 | AFLAC | $10 | — | $10 | 0.01% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 EAST SOUTHAMPTON DR COLUMBIA, MO 65203 | AFLAC | $8 | — | $8 | 0.01% |
| SARAH E SANNING3 Filed as: SARAH SANNING | 211 MARSHALL STREET JEFFERSON CITY, MO 65101 | AFLAC | $8 | — | $8 | 0.01% |
| SRA INSURANCE AGENCY LLC3 | 404 W BROADWAY BLVD PO BOX 1665 SEDALIA, MO 65301 | AFLAC | $8 | — | $8 | 0.01% |
| BRANDON SMITH3 | 1502 INDEPENDENCE DR JEFFERSON CITY, MO 65109 | AFLAC | $4 | — | $4 | 0.00% |
| MBBV INC3 | 3432 W TRUMAN BLVD SUITE 301 JEFFERSON CITY, MO 65109 | AFLAC | $3 | — | $3 | 0.00% |
| LANDWEHR INSURANCE SERVICES INC3 | 101 E MCCARTY JEFFERSON CITY, MO 65101 | AFLAC | $3 | — | $3 | 0.00% |
| JON HARTMAN3 | 1400 FORUM BLVD STE 9 COLUMBIA, MO 65203 | AFLAC | $2 | — | $2 | 0.00% |
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 | 534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 300 | $187K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 524 | $395K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 524 | $395K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 524 | $395K |
| Other | AFLAC | 268 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.