| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 350 CARLBACK AVE WALNUT CREEK, CA 94596 | GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 8.40% |
| DAVID MURPHY3 | — | GUARDIAN LIFE INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| HEFFERNAN INSURANCE BROKERS3 | 16100 SWINGLEY RIDGE RD CHESTERFIELD, MO 63017 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| DON C SUNDAY3 | 2037 S GRAY DR LAKEWOOD, CO 80227 | AFLAC | $4K | — | $4K | 17.71% |
| JENNIFER L FOSS3 Filed as: JENNIFER FOSS | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | AFLAC | $592 | — | $592 | 2.87% |
| REGINA K SANTANGELO3 | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | AFLAC | $524 | — | $524 | 2.54% |
| SHARON K BERKEL MASTERS3 Filed as: SHARON BERKEL | 8 WESTWOOD ESTATES DR ST PETERS, MO 63376 | AFLAC | $290 | — | $290 | 1.41% |
| MICHAEL J ELLIS3 | 532 GARRICK PL O FALLON, MO 63368 | AFLAC | $48 | — | $48 | 0.23% |
| ZENAT SHARIFF BELKIN3 | 9034 E EASTER PLACE STE 202 CENTENNIAL, CO 80112 | AFLAC | $41 | — | $41 | 0.20% |
| BRENDAN NIEMANN3 | 8873 ZEILER AVE ARLETE, CA 91331 | AFLAC | $39 | — | $39 | 0.19% |
| CHARLES H LANDMARK3 | 1426 FETTERMAN DRIVE COLORADO SPRINGS, CO 80915 | AFLAC | $38 | — | $38 | 0.18% |
| BRIAN GLOVER3 | 849 ELLIOTT ST LONGMONT, CO 80504 | AFLAC | $35 | — | $35 | 0.17% |
| JEREMY GEISLER INC3 | 1795 CLARKSON RD SUITE 301 CHESTERFIELD, MO 63017 | AFLAC | $32 | — | $32 | 0.16% |
| DAVID E SCHMIDT3 Filed as: DAVID SCHMIDT | 331 SAN MARCO WAY SAINT PETERS, MO 63304 | AFLAC | $29 | — | $29 | 0.14% |
| VICTOR M GLAZE3 Filed as: VICTOR GLAZE | 402 PLOWMAN CT FORT COLLINS, CO 80526 | AFLAC | $24 | — | $24 | 0.12% |
| LORI FENEMOR3 | 1922A MENARD ST ST LOUIS, MO 63104 | AFLAC | $21 | — | $21 | 0.10% |
| TIMOTHY ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $20 | — | $20 | 0.10% |
| JONATHON KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $18 | — | $18 | 0.09% |
| KENT HORSMAN3 | 14162 LADUE RD CHESTERFIELD, MO 63017 | AFLAC | $18 | — | $18 | 0.09% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTORHN CIR CROSSVILLE, TN 38555 | AFLAC | $18 | — | $18 | 0.09% |
| CHRISTOPHER BERKEL3 | 21482 LANDMARK RD EDMOND, OK 73012 | AFLAC | $15 | — | $15 | 0.07% |
| DAVID HANCOCK INC3 | 953 MEADOW HILL DR LAVON, TX 75166 | AFLAC | $12 | — | $12 | 0.06% |
| JON M LOUDEN3 Filed as: JON LOUDEN | 22739 E PRENTICE PL AURORA, CO 80015 | AFLAC | $12 | — | $12 | 0.06% |
| TYE ELLIOTT3 | 1300 N INDEPENDENCE CT GERMANTOWN HILLS, IL 61548 | AFLAC | $12 | — | $12 | 0.06% |
| FRANK I SCHELLINGERHOUT3 Filed as: FRANK SCHELLINGERHOUT | 9 SUNNYFIELD RD SAINT PETERS, MO 63376 | AFLAC | $11 | — | $11 | 0.05% |
| JOHN THOMPSON3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $11 | — | $11 | 0.05% |
| SHIRLEY PAYNE3 | 225 EAGLE CT MONROE, MI 48162 | AFLAC | $10 | — | $10 | 0.05% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 4 SOTHEBY PL SE GURLEY, AL 35748 | AFLAC | $9 | — | $9 | 0.04% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $8 | — | $8 | 0.04% |
| STEPHEN JASPER3 | 2170 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $7 | — | $7 | 0.03% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $7 | — | $7 | 0.03% |
| SUSAN MARIE WEITKAMP3 Filed as: SUSAN WEITKAMP | 5051 JOSHUA DR WENTZVILLE, MO 63385 | AFLAC | $5 | — | $5 | 0.02% |
| KIEFER GROUP INSURANCE AGCY LLC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $4 | — | $4 | 0.02% |
| DEBORAH SITZE3 | 25 AUTUMN CT MOSCOW MILLS, MO 63362 | AFLAC | $4 | — | $4 | 0.02% |
| TINA WAY3 | 15550 E COPPER CREEK LN PARKER, CO 80134 | AFLAC | $4 | — | $4 | 0.02% |
| NATHAN HARRISON3 | 16024 MANCHESTER RD 2ND FLOOR STE 2 ELLISVILLE, MO 63011 | AFLAC | $3 | — | $3 | 0.01% |
| HH ASSOCIATES LLC3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $3 | — | $3 | 0.01% |
| BRADLEY K HARRISON3 Filed as: BRADLEY HARRISON | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $3 | — | $3 | 0.01% |
| TYSON C FUNK3 Filed as: TYSON FUNK | 917 CROWN POINTE TERRACE CT WILDWOOD, MO 63021 | AFLAC | $3 | — | $3 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 Filed as: ALLISON WENDELBERGER | 1839 YGNACIA VALLEY RD STE 393 WALNUT CREEK, CA 94598 | AFLAC | $3 | — | $3 | 0.01% |
| JONNELL P ACKELSON3 Filed as: JONNELL ACKLESON | 4720 74TH ST URBANDALE, IA 50322 | AFLAC | $2 | — | $2 | 0.01% |
| GARY GIARRATANO3 Filed as: GARY GIARRATONO | 8612 SHADY BEND RD LENEXA, KS 66227 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN A BACON3 Filed as: JOHN BACON | 1267 LEIGHTON HOLLOW DR DARDENNE PRARIE, MO 63368 | AFLAC | $2 | — | $2 | 0.01% |
| AUSTIN J PETERSON3 Filed as: AUSTIN PETERSON | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.00% |
| THE TORRES GROUP LLC3 Filed as: TORRES GROUP LLC | 1750 FARMINGTON CIRCLE WELLINTON, TN 37919 | AFLAC | $1 | — | $1 | 0.00% |
| SARA BRIERY3 | 4 MARBURG LN SAVANNAH, GA 31411 | AFLAC | $1 | — | $1 | 0.00% |
| DIGITIAL INSURANCE LLC3 | 10800 BISCAYNE BLVD SUITE 250 MIAMI, FL 33161 | TRANSAMERICA LIFE INSURANCE COMPANY | $511 | — | $511 | 10.25% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $79 | — | $79 | 20.00% |
| HEFFERNAN INSURANCE BROKERS3 | 16100 SWINGLEY RIDGE RD CHESTERFIELD, MO 63107 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 41 | $58K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 96 | $46K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 96 | $46K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 96 | $46K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 96 | $46K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 4 | $395 |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 80 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.