| 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 | $11K | $38K | 9.47% |
| WALL STREET FINANCIAL GRP3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $8K | $27K | 13.84% |
| DEBRA KAY ALDRIDGE3 Filed as: DEBRA GABELSBERGER | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $7K | $455 | $8K | 5.01% |
| JAY HIGGINS3 | 211 MARSHALL STREET JEFFERSON CITY, MO 65101 | AFLAC | $6K | $168 | $6K | 3.96% |
| WALL STREET FINANCIAL GRP3 Filed as: WALL STREET FINANCIAL GROUP | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $6K | — | $6K | 3.84% |
| JENNIFER LEIGH WEAVER3 Filed as: JENNIFER WEAVER | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | AFLAC | $5K | $67 | $5K | 3.18% |
| JOHN SCHAEFFERKOETTER3 | 6002 STERLING RIDGE RD JEFFERSON CITY, MO 65101 | AFLAC | $2K | $13 | $2K | 1.27% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING, INC | 2101 W BROADWAY, STE 200 COLUMBIA, MO 65203 | AFLAC | $1K | $113 | $1K | 0.74% |
| CHRISTIE LANDWEHR3 | 225 ANN CT JEFFERSON CITY, MO 65101 | AFLAC | $897 | $69 | $966 | 0.63% |
| BHW ASSOCIATES LLC3 | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | AFLAC | $881 | — | $881 | 0.57% |
| STACEY L LABARBERA3 Filed as: STACEY LABARBERA | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $617 | $131 | $748 | 0.49% |
| AMY COLEEN BERHORST3 Filed as: AMY BERHORST | 599 BERHORST TRAIL WESTPHALIA, MO 65085 | AFLAC | $685 | — | $685 | 0.45% |
| BRADLEY K HARRISON3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $654 | $6 | $660 | 0.43% |
| MARK R HIGGINS3 Filed as: MARK HIGGINS | 515 EAST HIGH STREET SUITE 200 JEFFERSON CITY, MO 65101 | AFLAC | $590 | — | $590 | 0.38% |
| LESLIE K VERSLUES3 Filed as: LESLIE VERSLUES | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $390 | $115 | $505 | 0.33% |
| DAVID D CLIBURN3 Filed as: DAVID CLIBURN | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | AFLAC | $391 | — | $391 | 0.26% |
| BRAD D ROARK3 Filed as: BRAD ROARK | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | AFLAC | $340 | — | $340 | 0.22% |
| ALEXANDER I MIRO3 Filed as: ALEXANDER MIRO | 1120 S 6TH ST, STE 110 SAINT LOUIS, MO 63104 | AFLAC | $248 | $31 | $279 | 0.18% |
| FRANK HIGGINS3 | 3509 GETTYSBURG PL JEFFERSON CITY, MO 65109 | AFLAC | $260 | — | $260 | 0.17% |
| BRYAN C SWYERS3 Filed as: BRYAN SWYERS | 2429 HYDE PARK DR JEFFERSON CITY, MO 65109 | AFLAC | $244 | — | $244 | 0.16% |
| COURTNEY HURT3 | 5550 PONDEROSA DR WEST DES MOINES, IA 50266 | AFLAC | $186 | — | $186 | 0.12% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $156 | — | $156 | 0.10% |
| RONNIE L STAGGS3 Filed as: RONNIE STAGGS | 3327 COUNTRY VIEW CT JEFFERSON CITY, MO 65101 | AFLAC | $118 | — | $118 | 0.08% |
| SHANNON M BRENNEKE3 Filed as: SHANNON BRENNEKE | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $110 | — | $110 | 0.07% |
| PHILIP R BELLIN3 Filed as: PHILIP BELLIN | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | AFLAC | $87 | — | $87 | 0.06% |
| SHANE M RIDENHOUR3 Filed as: SHANE RIDENHOUR | 3115 GLENSTONE DR JEFFERSON CITY, MO 65109 | AFLAC | $82 | — | $82 | 0.05% |
| RANDALL A LUECKENOTTE3 Filed as: RANDALL LUECKENOTTE | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | AFLAC | $64 | — | $64 | 0.04% |
| STEVEN R LOCHHEAD JR3 Filed as: STEVEN LOCHHEAD JR. | 423 CASE AVENUE JEFFERSON CITY, MO 65101 | AFLAC | $64 | — | $64 | 0.04% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY VANDEGRIFFE | 1795 CLARKSON RD SUITE 301 CHESTERFIELD, MO 63017 | AFLAC | $56 | — | $56 | 0.04% |
| JOSEPH P BLESSING3 Filed as: JOSEPH BLESSING | 910 R ST HANNIBAL, MO 63401 | AFLAC | $55 | — | $55 | 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 | $41 | — | $41 | 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, MO 65043 | AFLAC | $37 | — | $37 | 0.02% |
| KELLY THOMAS3 | 9800 OLD BASS ROAD EUGENE, MO 65032 | AFLAC | $35 | — | $35 | 0.02% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 327 S WALNUT ST SUITE 111 FLORENCE, AL 35630 | AFLAC | $34 | — | $34 | 0.02% |
| CHRISTINA J AMMONS3 Filed as: CHRISTINA STEGEMAN | 6909 SPRING PARK DR JEFFERSON CITY, MO 65109 | AFLAC | $32 | — | $32 | 0.02% |
| NATHAN JONES3 | 406 S STRADLING RD MUNCIE, IN 47034 | AFLAC | $26 | — | $26 | 0.02% |
| ADAM MASSMAN3 | 398 DIX RD STE 101 JEFFERSON CITY, MO 65109 | AFLAC | $23 | — | $23 | 0.02% |
| LISA CAMPBELL3 | 3701 CHRISTIAN RIDGE JEFFERSON CITY, MO 65101 | AFLAC | $19 | — | $19 | 0.01% |
| JEFFREY WEHKING3 | 5612A DEERVALLEY DR JEFFERSON CITY, MO 65109 | AFLAC | $16 | — | $16 | 0.01% |
| JENNIFER D WEHMEIR3 Filed as: JENNIFER WEHMEIR | 31322 SUNNYSIDE RD CALIFORNIA, MO 65018 | AFLAC | $6 | $10 | $16 | 0.01% |
| JASON B PECAUT3 Filed as: JASON RALSTON | 520 DIX RD SUITE B JEFFERSON CITY, MO 65109 | AFLAC | $14 | — | $14 | 0.01% |
| MEGAN KEICHER3 | 3605 FALMOUTH DR COLUMBIA, MO 65203 | AFLAC | $13 | — | $13 | 0.01% |
| NICHOLAS DESIMONE3 | 4015 LAURA AVE JEFFERSON CITY, MO 65109 | AFLAC | $12 | — | $12 | 0.01% |
| THOMAS M MCCANN3 Filed as: THOMAS MCCANN | 818 KEVIN DR JEFFERSON CITY, MO 65109 | AFLAC | $12 | — | $12 | 0.01% |
| JOHN MYERS3 | 81 GRAND MERIDIEN FRST CHESTERFIELD, MO 63005 | AFLAC | $2 | $10 | $12 | 0.01% |
| LANDWEHR INSURANCE SERVICES INC3 | 101 E MCCARTY JEFFERSON CITY, MO 65101 | AFLAC | $11 | — | $11 | 0.01% |
| JOHN A BACON3 Filed as: JOHN BACON | 1267 LEIGHTON HOLLOW DR DARDENNE PRAIRIE, MO 63368 | AFLAC | $2 | $9 | $11 | 0.01% |
| DARREN SMILEY3 | 11916 AUDRAIN RD 933 MEXICO, MO 65265 | AFLAC | $11 | — | $11 | 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 | $10 | — | $10 | 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 SEDALIA, MO 65301 | AFLAC | $8 | — | $8 | 0.01% |
| TY D MAYBERRY3 Filed as: TY MAYBERRY | 8451 RED OAK RD GERALD, MO 63037 | AFLAC | $6 | — | $6 | 0.00% |
| CHAD M POSTON3 Filed as: CHAD POSTON | 2101 W BROADWAY STE 200 COLUMBIA COLUMBIA, MO 65203 | AFLAC | $3 | $2 | $5 | 0.00% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY SATTERLEE | 8565 AMERICAS PKWAY NE STE 115 ALBUQUERQUE, NM 87110 | AFLAC | $4 | — | $4 | 0.00% |
| BRANDON SMITH3 | 1502 INDEPENDENCE DR JEFFERSON CITY, MO 65109 | AFLAC | $4 | — | $4 | 0.00% |
| AUSTIN J PETERSON3 Filed as: AUSTIN PETERSON | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $3 | — | $3 | 0.00% |
| TYSON C FUNK3 Filed as: TYSON FUNK | 917 CROWN POINTE TERRACE CT WILDWOOD, MO 63021 | AFLAC | $3 | — | $3 | 0.00% |
| JON HARTMAN3 | 1400 FORUM BLVD STE 9 COLUMBIA, MO 65203 | AFLAC | $1 | $2 | $3 | 0.00% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE SUITE 301 TWIN LAKE, MI 49457 | AFLAC | $1 | — | $1 | 0.00% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.00% |
| ROBIN M CALLAWAY3 Filed as: ROBIN CALLAWAY | 10201 W MARKHAM ST, STE 203 LITTLE ROCK, AR 72205 | AFLAC | $1 | — | $1 | 0.00% |
| JONATHAN KIRKLAND3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY HIMMELRICK3 | 2215 W A STREET NORTH PLATTE, NE 69101 | AFLAC | $1 | — | $1 | 0.00% |
| MBBV INC3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN D NEUNER3 Filed as: BRIAN NEUNER | 7651 E HIGHWAY WW COLUMBIA, MO 65201 | AFLAC | $0 | — | $0 | 0.00% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 327 S WALNUT STREET FLORENCE, AL 35630 | AFLAC | $0 | — | $0 | 0.00% |
| AMANDA FREEHAUF3 | 68680 KENILWORTH RD LAKEVILLE, IN 46536 | AFLAC | $0 | — | $0 | 0.00% |
| JONNELL P ACKELSON3 Filed as: JONNELL ACKELSON | 31250 N AVE ADEL, IA 50003 | AFLAC | $0 | — | $0 | 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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 267 | $197K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 521 | $403K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 521 | $403K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 521 | $403K |
| Other | AFLAC | 242 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.