| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER GROUP BENEFITS LLC3 | 11500 OLIVE BOULEVARD SUITE 258 SAINT LOUIS, MO 63141 | AFLAC | $7K | — | $7K | 6.97% |
| MELISSA JONES AND ASSOCIATES LLC3 Filed as: MELISSA JONES & ASSOCIATES LLC | 103 PENNANT DRIVE WASHINGTON, MO 63090 | AFLAC | $4K | — | $4K | 3.96% |
| JV HAGEDORN LLC3 | 214 TWIN BIRCH COURT LAKE SAINT LOUIS, MO 63367 | AFLAC | $3K | — | $3K | 2.59% |
| TY D MAYBERRY3 Filed as: TY MAYBERRY | 8551 RED OAK ROAD GERALD, MO 63037 | AFLAC | $2K | — | $2K | 1.72% |
| GEISLER INCORPORATED3 | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | AFLAC | $866 | — | $866 | 0.83% |
| ALEXANDER I MIRO3 Filed as: ALEXANDER MIRO | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | AFLAC | $332 | — | $332 | 0.32% |
| CATHERINE THOMAS3 | 423 MICHELLE DRIVE WASHINGTON, MO 63090 | AFLAC | $255 | — | $255 | 0.24% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY VANDEGRIFFE | 17934 HOMESTEAD BLUFFS DRIVE WILDWOOD, MO 63005 | AFLAC | $98 | — | $98 | 0.09% |
| CRAIG FINKS3 | 1659 MOUNT VERNON DRIVE SAINT CHARLES, MO 63303 | AFLAC | $93 | — | $93 | 0.09% |
| JOHN A BACON3 Filed as: JOHN BACON | 11630 WEST 158TH TERRACE OVERLAND PARK, KS 66221 | AFLAC | $74 | — | $74 | 0.07% |
| JOHN MYERS3 | 81 GRAND MERIDIEN FOREST CHESTERFIELD, MO 63005 | AFLAC | $74 | — | $74 | 0.07% |
| MICHAEL LINHARDT3 | 434 COUNTRY STONE DRIVE LAKE SAINT LOUIS, MO 63367 | AFLAC | $69 | — | $69 | 0.07% |
| BRENDAN N DUSHA3 Filed as: BRENDAN DUSHA | 4155 SHENANDOAH AVENUE SAINT LOUIS, MO 63110 | AFLAC | $60 | — | $60 | 0.06% |
| WESTERMAYER AND ASSOCIATES LLC3 | 2164 AYLESPORT DRIVE DALLAS, TX 75001 | AFLAC | $46 | — | $46 | 0.04% |
| KEVIN MULLINS3 | 7221 SWEETCIDER LANE O FALLON, MO 63368 | AFLAC | $46 | — | $46 | 0.04% |
| JUDITH GREER LAHAY3 | 11026 SAINT AMBROSE LANE SAINT ANN, MO 63074 | AFLAC | $45 | — | $45 | 0.04% |
| ANGIE MEYER3 | 97 HICKORY CIRCLE UNION, MO 63084 | AFLAC | $42 | — | $42 | 0.04% |
| JAY HIGGINS3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $33 | — | $33 | 0.03% |
| BRADLEY K HARRISON3 Filed as: BRADLEY HARRISON | 3432 WEST TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $27 | — | $27 | 0.03% |
| RYAN L STOOKEY3 Filed as: RYAN STOOKEY | 1 METCALF DRIVE BELLEVILLE, IL 62223 | AFLAC | $25 | — | $25 | 0.02% |
| JAMES MILLER3 | 79 WARREN STREET APT. 301 GLENS FALLS, NY 12801 | AFLAC | $19 | — | $19 | 0.02% |
| TYSON FINK3 | 917 CROWN POINT TERRACE COURT WILDWOOD, MO 63021 | AFLAC | $16 | — | $16 | 0.02% |
| BRUCE BEATTIE & ASSOCIATES INC3 Filed as: BRUCE COONAN | 14625 BRITTANIA DRIVE CHESTERFIELD, MO 63017 | AFLAC | $12 | — | $12 | 0.01% |
| LORI FENEMOR3 | 7466 GRANT VILLAGE DRIVE APT. B SAINT LOUIS, MO 63123 | AFLAC | $10 | — | $10 | 0.01% |
| ROBIN M CALLAWAY3 Filed as: ROBIN CALLAWAY | 10201 WEST MARKHAM STREET SUITE 203 LITTLE ROCK, AK 72205 | AFLAC | $9 | — | $9 | 0.01% |
| SUSAN MARIE WEITKAMP3 Filed as: SUSAN WEITKAMP | 5051 JOSHUA DRIVE WENTZVILLE, MO 63385 | AFLAC | $8 | — | $8 | 0.01% |
| VANDEGRIFFE INC3 Filed as: VANDEGRIFFE INC. | 3432 WEST TRUMAM BOULEVARD JERRERSON CITY, MO 65109 | AFLAC | $7 | — | $7 | 0.01% |
| FLJ INC3 Filed as: FLJ INC. | 917 COUNTY ROAD 100 N THOMPSONVILLE, IL 62890 | AFLAC | $7 | — | $7 | 0.01% |
| BRIAN D NEUNER3 Filed as: BRIAN NEUNER | 7651 EAST HIGHWAY WW COLUMBIA, MO 65201 | AFLAC | $6 | — | $6 | 0.01% |
| HH ASSOCIATES LLC3 | 3432 WEST TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $6 | — | $6 | 0.01% |
| JENNIFER BUSS3 | 12890 TAMMY KAY DRIVE SAINT LOUIS, MO 63128 | AFLAC | $4 | — | $4 | 0.00% |
| TYE ELLIOTT3 | 1300 NORTH INDEPENDENCE COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $4 | — | $4 | 0.00% |
| PAULA KEOUGHAN3 | 10245 LACKLAND ROAD SAINT LOUIS, MO 63114 | AFLAC | $3 | — | $3 | 0.00% |
| AUSTIN J PETERSON3 Filed as: AUSTIN PETERSON | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $3 | — | $3 | 0.00% |
| JEFFREY HIMMELRICK3 | 2215 WEST A STREET NORTH PLATTE, NE 69101 | AFLAC | $2 | — | $2 | 0.00% |
| NATHAN HARRISON3 | 16024 MANCHESTER ROAD 2ND FLOOR, SUITE 200 ELLISVILLE, MO 63011 | AFLAC | $1 | — | $1 | 0.00% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINTON, TN 37919 | AFLAC | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER N. ARNET | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY EDEN PRAIRIE, MN 55344 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $107 | — | $107 | 0.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $403 | — | $403 | 5.00% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER N. ARNET | 1851 LAKE DRIVE W SUITE 350 CHANHASSEN, MN 55317 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $403 | $403 | 5.00% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 94 | $105K |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 139 | $69K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 234 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $36K |
| Short-term disability | AFLAC | 94 | $105K |
| Other(3 contracts, 2 carriers) | AFLAC | 188 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.