| 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 | — | $150K | $150K | 7.50% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | PO BOX 4207 SPRINGFIELD, MO 658084207 | COX HEALTH SYSTEMS INSURANCE COMPANY | $17K | $3K | $19K | 0.97% |
| SCOTT MICHAEL A - 54529S3 | BRIAN WAMPLER P O BOX 4207 GS SPRINGFIELD, MO 65801 | KANSAS CITY LIFE INSURANCE COMPANY | $21K | — | $21K | 9.97% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON | PO BOX 4207 SPRINGFIELD, MO 65808 | DELTA DENTAL OF MISSOURI | $17K | $2K | $19K | 11.61% |
| KYLE L VESELY3 | 4771 S TURNBERRY AVE SPRINGFIELD, MO 65810 | AFLAC | $518 | — | $518 | 4.40% |
| SEAN SMITH MANAGEMENT LLC3 | 21408 B ST ELKHORN, NE 68022 | AFLAC | $133 | — | $133 | 1.13% |
| LINDA J MAYBERRY3 | 8450 W FARM ROAD 160 REPUBLIC, MO 65738 | AFLAC | $106 | — | $106 | 0.90% |
| RILEY D HICKS3 | 2740 S GLENSTONE AVE STE 202 SPRINGFIELD, MO 65804 | AFLAC | $92 | — | $92 | 0.78% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC | $55 | — | $55 | 0.47% |
| KRISTIE M WEIDMANN3 | 1650 E BATTLEFIELD ST STE 200 SPRINGFIELD, MO 65804 | AFLAC | $44 | — | $44 | 0.37% |
| TORREY A AMSTUTZ3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | AFLAC | $37 | — | $37 | 0.31% |
| DAVID H SEVON3 | 7651 W CARL AVE SPRINGFIELD, MO 65802 | AFLAC | $36 | — | $36 | 0.31% |
| MICHAEL R BENNETT3 | 1370 S MAIN ST STE 100 NIXA, MO 65714 | AFLAC | $32 | — | $32 | 0.27% |
| ROMEO VEGA INSURANCE INC3 Filed as: ROMEO VEGA | 5567 STATE HIGHWAY U ROGERSVILLE, MO 65742 | AFLAC | $25 | — | $25 | 0.21% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $13 | — | $13 | 0.11% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $13 | — | $13 | 0.11% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $9 | — | $9 | 0.08% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $6 | — | $6 | 0.05% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $6 | — | $6 | 0.05% |
| RYAN J HALLAM3 | 9124 N FARM ROAD 173 SPRINGFIELD, MO 65803 | AFLAC | $5 | — | $5 | 0.04% |
| GARY GIARRATANO3 | 13309 W 73RD ST SHAWNEE, KS 66216 | AFLAC | $5 | — | $5 | 0.04% |
| JAMES A SMAARDYK3 | 13435 S MCCALL RD UNIT 16 PORT CHARLOTTE, FL 33981 | AFLAC | $2 | — | $2 | 0.02% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $2 | — | $2 | 0.02% |
| JANET ZENTMIRE RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.01% |
| DONNA BAILEY3 Filed as: DONNA M BAILEY | 902 S ANN DR MARSHALL, MO 65340 | AFLAC | $1 | — | $1 | 0.01% |
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 | 334 | 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) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 484 | $2.0M |
| Dental | DELTA DENTAL OF MISSOURI | 575 | $163K |
| Vision | KANSAS CITY LIFE INSURANCE COMPANY | 330 | $207K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 330 | $207K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 330 | $219K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 330 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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.