| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COX HEALTH SYSTEMS INSURANCE CO1 Filed as: COX HEALTH SYSTEMS INSURANCE COMPAN | PO BOX 5750 SPRINGFIELD, MO 658015750 | COX HEALTH SYSTEMS INSURANCE COMPANY | — | $109K | $109K | 7.50% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | PO BOX 4207 SPRINGFIELD, MO 658084207 | COX HEALTH SYSTEMS INSURANCE COMPANY | $23K | — | $23K | 1.58% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | P.O. BOX 4207 SPRINGFIELD, MO 65808 | DELTA DENTAL OF MISSOURI | $6K | — | $6K | 4.96% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS & JACKSON | 1637 SOUTH ENTERPRISE SPRINGFIELD, MO 65804 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BARKER PHILLIPS JACKSON INC3 | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 103.56% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $420 | $420 | 14.80% |
| KYLE L VESELY3 | 608 W DOVER ST NIXA, MO 65714 | AFLAC | $3K | $758 | $3K | — |
| SEAN SMITH MANAGEMENT LLC3 | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $518 | $176 | $694 | — |
| RILEY D HICKS3 | 2523 CEDAR CREEK DR SPRINGFIELD, MO 65803 | AFLAC | $309 | $191 | $500 | — |
| KRISTIE WEIDMANN3 | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $115 | $99 | $214 | — |
| LINDA J MAYBERRY3 | 8450 W FARM ROAD 160 REPUBLIC, MO 65738 | AFLAC | $184 | — | $184 | — |
| KELLY RATHKE3 | 319 N. MAIN AVE 103 SPRINGFIELD, MO 65806 | AFLAC | $135 | — | $135 | — |
| ZACHARY L SMITH3 | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $83 | $11 | $94 | — |
| TORREY A AMSTUTZ3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | AFLAC | $82 | — | $82 | — |
| MICHAEL SHANE KIRKLAND3 | 327 S WALNUT STREET FLORENCE, AL 35630 | AFLAC | $71 | — | $71 | — |
| DAVID H SEVON3 | 1309 E REPUBLIC RD STE A SPRINGFIELD, MO 65804 | AFLAC | $60 | — | $60 | — |
| SYDNEE HENDRICKSON3 | 3303 N 30TH ST OZARK, MO 65721 | AFLAC | $49 | — | $49 | — |
| MICHAEL R BENNETT3 | 1370 S MAIN ST STE 100 NIXA, MO 65714 | AFLAC | $45 | — | $45 | — |
| ROMEO VEGA INSURANCE INC3 | 5567 STATE HIGHWAY U ROGERSVILLE, MO 65742 | AFLAC | $37 | — | $37 | — |
| RONALD E KIRKLAND3 | 1044 HAROBR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $32 | — | $32 | — |
| JOSEPH ZEZZA3 Filed as: JOSEPH ZIZZA | 9855 N LEWIS AVE KANSAS CITY, MO 64157 | AFLAC | $7 | $19 | $26 | — |
| MICHELLE A RICHARDSON3 | 3830 S JEFFERSON AVE APT L7 SPRINGFIELD, MO 65807 | AFLAC | $19 | — | $19 | — |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $16 | — | $16 | — |
| JENNIFER SMITH3 | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $3 | $9 | $12 | — |
| WESNER ENTERPRISES LLC | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $3 | $9 | $12 | — |
| GARY GIARRATANO3 | 8612 SHADY BEND RD LENEXA, KS 66227 | AFLAC | $9 | — | $9 | — |
| RYAN J HALLAM3 | 3736 N BRIDGEWOOD AVE SPRINGFIELD, MO 65803 | AFLAC | $4 | — | $4 | — |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $1 | — | $1 | — |
| JOANN KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | — |
| RICHARD M HARMAN3 | 1674 S RAFORD DR SPRINGFIELD, MO 65809 | AFLAC | — | — | $0 | — |
| BRADLEY K HARRISON3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | — | — | $0 | — |
| CURTIS KEITH STILES3 | 3641 S LEXUS AVE SPRINGFIELD, MO 65807 | AFLAC | — | — | $0 | — |
| JANET RIGSBY | 801 MELANAE CT LIBERTY, MO 64069 | AFLAC | — | — | $0 | — |
| DONNA BAILEY | 354 LAKESIDE DR LIBERTY, MO 64068 | AFLAC | — | — | $0 | — |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 414 | $1.5M |
| Dental | DELTA DENTAL OF MISSOURI | 523 | $120K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 266 | $17K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $3K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $3K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $3K |
| Other | AFLAC | 49 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.