| 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 | — | — | $0 | 0.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | PO BOX 4207 SPRINGFIELD, MO 658084207 | COX HEALTH SYSTEMS INSURANCE COMPANY | — | — | $0 | 0.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | P.O. BOX 4207 SPRINGFIELD, MO 65808 | DELTA DENTAL OF MISSOURI | — | — | $0 | 0.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON INC. | PO BOX 4207 SPRINGFIELD, MO 65808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| BARKER PHILLIPS JACKSON INC | PO BOX 4207 SPRINGFIELD, MO 65808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| BARKER PHILLIPS JACKSON INC Filed as: BARKER-PHILIPS-JACKSON | PO BOX 4207 SPRINGFIELD, MO 65808 | ADVANTICA INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON INC. | PO BOX 4207 SPRINGFIELD, MO 65808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| KYLE L VESELY3 | 4771 S TURNBERRY AVE SPRINGFIELD, MO 65810 | AFLAC | — | — | $0 | — |
| SEAN SMITH MANAGEMENT LLC3 | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | — | — | $0 | — |
| RILEY D HICKS3 | 2740 S GLENSTONE STE202 SPRINGFIELD, MO 65804 | AFLAC | — | — | $0 | — |
| LINDA J MAYBERRY3 | 8450 W FARM ROAD 160 REPUBLIC, MO 65738 | AFLAC | — | — | $0 | — |
| KRISTIE WEIDMANN3 | 3734 S SOUTH STREET SPRINGFIELD, MO 65807 | AFLAC | — | — | $0 | — |
| TORREY A AMSTUTZ3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | AFLAC | — | — | $0 | — |
| MICHAEL SHANE KIRKLAND Filed as: MICHAEL KIRKLAND | 137 PLANTATIION DR KILLEN, AL 35645 | AFLAC | — | — | $0 | — |
| DAVID H SEVON3 | 7651 W. CARL AVE SPRINGFIELD, MO 65802 | AFLAC | — | — | $0 | — |
| MICHAEL R BENNETT3 | 1370 S MAIN ST STE 100 NIXA, MO 65714 | AFLAC | — | — | $0 | — |
| ROMEO VEGA INSURANCE INC3 | 5567 STATE HIGHWAY U ROGERSVILLE, MO 65742 | AFLAC | — | — | $0 | — |
| JOSEPH ZEZZA3 | 448 RUSHFOIL DR COLUMBIA, SC 29229 | AFLAC | — | — | $0 | — |
| RONALD E KIRKLAND3 | 1044 HAROBR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | — | — | $0 | — |
| ZACHARY L SMITH3 | 2740 S. GLENSTONE AVE STE 202 SPRINGFIELD, MO 65804 | AFLAC | — | — | $0 | — |
| MICHELLE A RICHARDSON3 | 3830 S JEFFERSON AVE APT L7 SPRINGFIELD, MO 65807 | AFLAC | — | — | $0 | — |
| JENNIFER SMITH3 | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | — | — | $0 | — |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | — | — | $0 | — |
| WESNER ENTERPRISES LLC | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | — | — | $0 | — |
| GARY GIARRATANO3 | 8612 SHADY BEND RD LENEXA, KS 66227 | AFLAC | — | — | $0 | — |
| RYAN J HALLAM3 | 3736 N BRIDGEWOOD AVE SPRINGFIELD, MO 65803 | AFLAC | — | — | $0 | — |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | — | — | $0 | — |
| JOANN KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | — | — | $0 | — |
| DONNA BAILEY | 354 LAKESIDE DR LIBERTY, MO 64068 | AFLAC | — | — | $0 | — |
| JANET RIGSBY | 801 MELANAE CT LIBERTY, MO 64069 | AFLAC | — | — | $0 | — |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS & JACKSON | 1637 SOUTH ENTERPRISE SPRINGFIELD, MO 65804 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | — | $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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 421 | $1.6M |
| Dental | DELTA DENTAL OF MISSOURI | 532 | $132K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 283 | $0 |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $100K |
| Other | AFLAC | 42 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.