| 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 | — | $133K | $133K | 7.50% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | PO BOX 4207 SPRINGFIELD, MO 658084207 | COX HEALTH SYSTEMS INSURANCE COMPANY | $15K | — | $15K | 0.86% |
| SCOTT MICHAEL A - 54529S3 Filed as: SCOTT MICHAEL A | PO BOX 4207 GS SPRINGFIELD, MO 65801 | KC LIFE | $26K | — | $26K | 7.84% |
| TORREY A AMSTUTZ3 | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 4.53% |
| SEAN SMITH MANAGEMENT LLC3 Filed as: SEAN SMITH MANAGEMENT, LLC | 319 N. MAIN SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 1.31% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE & ASSOCIATES INC. | 1508 N. CHURCH ROAD SUITE B LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.66% |
| LINDA J MAYBERRY3 Filed as: LINDA MAYBERRY | 1848 S. CEDAR TREE LANE REPUBLIC, MO 65738 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.48% |
| JAMES H AYCOCK III3 | 3461 E. SHEFFIEL D WAY SPRINGFIELD, MO 65802 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.36% |
| SARA AYRES3 | 601 N NATIONAL AVE APT 310 SPRINGFIELD, MO 65802 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.36% |
| JENNIFER L BOYD (SMITH)3 Filed as: JENNIFER L BOYD | 319 N MAIN ST. SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.06% |
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 | 314 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 455 | $1.8M |
| Dental | KC LIFE | 314 | $331K |
| Vision | KC LIFE | 314 | $331K |
| Life insurance | KC LIFE | 314 | $331K |
| Short-term disability(2 contracts, 2 carriers) | KC LIFE | 314 | $333K |
| Long-term disability | KC LIFE | 314 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.