| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP, INC | 200 EAST SOUTHAMPTON DRIVE COLUMBIA, MO 65203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 4.09% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 SOUTHAMPTON DRIVE COLUMBIA, MO 65203 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $31K | — | $31K | 11.54% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP, INC | 200 EAST SOUTHAMPTON DRIVE COLUMBIA, MO 65203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $9K | $22K | 10.58% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $511 | — | $511 | 0.25% |
| BRIAN D NEUNER3 Filed as: BRIAN NEUNER | 7651 EAST HIGHWAY WW COLUMBIA, MO 65201 | AFLAC | $6K | — | $6K | 9.76% |
| DAVID LYONS3 | 1112 GRACE LANE BOONVILLE, MO 65233 | AFLAC | $5K | $301 | $6K | 9.46% |
| JAMI GONZALEZ3 | 1201 EAST EL CAMINO DRIVE PHOENIX, AZ 85020 | AFLAC | $4K | $709 | $5K | 8.16% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $2K | $235 | $3K | 4.53% |
| AARON C EVERLY3 Filed as: AARON EVERLY | 1123 WILKES BOULEVARD SUITE 330 COLUMBIA, MO 65201 | AFLAC | $2K | $5 | $2K | 2.90% |
| ROBIN ELLIOTT3 | 2623 MOHAWK DRIVE JEFFERSON CITY, MO 65101 | AFLAC | $663 | $176 | $839 | 1.42% |
| RYAN NORGREN3 | 1115 ASHLAND ROAD APARTMENT 103 COLUMBIA, MO 65201 | AFLAC | $433 | — | $433 | 0.73% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 EAST SOUTHAMPTON DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $244 | — | $244 | 0.41% |
| ALICEN HARRISON3 | 1201 NORTH REMINGTON STREET CENTRALIA, MO 65240 | AFLAC | $134 | — | $134 | 0.23% |
| FRANK HIGGINS3 | PO BOX 1152 JEFFERSON CITY, MO 65102 | AFLAC | $117 | — | $117 | 0.20% |
| ALEXANDER I MIRO3 Filed as: ALEXANDER MIRO | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | AFLAC | $65 | — | $65 | 0.11% |
| JADE COMPANIES LLC3 | 1212 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $23 | — | $23 | 0.04% |
| ANDREW N LUCCOCK3 Filed as: ANDREW LUCCOCK | PO BOX 1965 WILSONVILLE, OR 97070 | AFLAC | $21 | — | $21 | 0.04% |
| DEBRA KAY ALDRIDGE3 Filed as: DEBRA GABELSBERGER | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $19 | — | $19 | 0.03% |
| ANDREW JAMES VAN HORN3 Filed as: ANDREW VAN HORN | 6270 NORTH GARFIELD AVENUE FRESNO, CA 93723 | AFLAC | $18 | — | $18 | 0.03% |
| CHAD M POSTON3 Filed as: CHAD POSTON | 2721 INDUSTRIAL DRIVE SUITE A JEFFERSON CITY, MO 65109 | AFLAC | $18 | — | $18 | 0.03% |
| NADINE THERESA POLLMAN3 Filed as: NADINE POLLMAN | 1212 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $14 | — | $14 | 0.02% |
| BRADLEY K HARRISON3 Filed as: BRADLEY HARRISON | 3432 WEST TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $13 | — | $13 | 0.02% |
| ADAM LECHTENBERG3 | 2701 PEBBLE CREEK COURT COLUMBIA, MO 65201 | AFLAC | $11 | — | $11 | 0.02% |
| TRACY L HOSTLER3 Filed as: TRACY HOSTLER | 3922 SOUTH WESTERN AVENUE SIOUX FALLS, SD 57105 | AFLAC | $10 | — | $10 | 0.02% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY SATTERLEE | 100 SUN AVENUE NORTHEAST SUITE 650 ALBUQUERQUE, NM 87109 | AFLAC | $8 | — | $8 | 0.01% |
| SARA LUCCOCK3 | 19766 WILDWOOD DRIVE WEST LINN, OR 97068 | AFLAC | $8 | — | $8 | 0.01% |
| JAY HIGGINS3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $6 | — | $6 | 0.01% |
| BRYAN C SWYERS3 Filed as: BRYAN SWYERS | 2429 HYDE PARK ROAD JEFFERSON CITY, MO 65109 | AFLAC | $6 | — | $6 | 0.01% |
| TERRY ANN PARKER3 Filed as: TERRY PARKER | 11175 SOUTHWEST BERLIN AVENUE WILSONVILLE, OR 97070 | AFLAC | $5 | — | $5 | 0.01% |
| BAYLEY STULTS3 | 3500 SOUTH SCOTT BOULEVARD APARTMENT 10A COLUMBIA, MO 65203 | AFLAC | $5 | — | $5 | 0.01% |
| KIM R HARMS3 Filed as: KIM HARMS | 310 BIRCH AVENUE AURORA, SD 57002 | AFLAC | $4 | — | $4 | 0.01% |
| SCOTT NIELSEN3 | 2709 DAY ISLAND BOULEVARD WEST UNIT A UNIVERSITY PL, WA 98466 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTIE LANDWEHR3 | 225 ANN COURT JEFFERSON CITY, MO 65101 | AFLAC | $3 | — | $3 | 0.01% |
| DUSTIN BLY3 | 4302 MASSENGILL COURT COLUMBIA, MO 65201 | AFLAC | $1 | — | $1 | 0.00% |
| ROBIN M CALLAWAY3 Filed as: ROBIN CALLAWAY | 10201 WEST MARKHAM STREET SUITE 203 LITTLE ROCK, AR 72205 | AFLAC | $1 | — | $1 | 0.00% |
| TYSON C FUNK3 Filed as: TYSON FUNK | 917 CROWN POINTE TERRACE COURT WILDWOOD, MO 63021 | AFLAC | $1 | — | $1 | 0.00% |
| GINA SIENIA3 | 8570 SOUTHWEST ASH MEADOWS ROAD APARTMENT 538 WILSONVILLE, OR 97070 | AFLAC | $1 | — | $1 | 0.00% |
| ERIC DANIEL WEILAND3 Filed as: ERIC WEILAND | 14511 SOUTHWEST CORNERSTONE LANE SHERWOOD, OR 97140 | AFLAC | $1 | — | $1 | 0.00% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 EAST SOUTHAMPTON DRIVE SUITE 200 COLUMBIA, MO 65203 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 15.33% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 SOUTHAMPTON DRIVE COLUMBIA, MO 65203 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.16% |
| JON HARTMAN3 | 2101 CORONA ROAD SUITE 201 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $936 | — | $936 | 2.89% |
| BRIAN D NEUNER3 Filed as: BRIAN NEUNER | 7651 EAST HIGHWAY WW COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $625 | — | $625 | 1.93% |
| JAMI GONZALEZ3 Filed as: JAMI T GONZALEZ | 1207 EAST EL CAMINO DRIVE PHOENIX, AZ 85020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $415 | — | $415 | 1.28% |
| ASHTON CONSULTING INC3 | 2101 WEST BROADWAY SUITE 200 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277 | — | $277 | 0.86% |
| JEFFREY M SATTERLEE3 | 6565 AMERICAS PARKWAY NORTHEAST SUITE 115 ALBUQUERQUE, NM 87110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $219 | — | $219 | 0.68% |
| GARY W FITCH3 | 2101 CORONA ROAD SUITE 201 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | — | $172 | 0.53% |
| HH ASSOCIATES LLC3 Filed as: HH ASSOCIATES, LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | — | $154 | 0.48% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | — | $145 | 0.45% |
| DAVID LYONS3 | 1112 GRACE LANE BOONVILLE, MO 65233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | — | $120 | 0.37% |
| ALEXANDER I MIRO3 | 3406 KEENES EDGE COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.24% |
| APRIL L MELVIN3 | 2101 CORONA ROAD SUITE 201 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.23% |
| BAYLEY STULTS3 | 2101 CORONA ROAD SUITE 201 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.16% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.15% |
| AUSTIN J PETERSON3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.14% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE COURT WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.14% |
| ANDREW J VAN HORN3 | 2101 CORONA ROAD COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.12% |
| KELLY W EASLEY3 | 5026 STATE ROAD J FULTON, MO 65251 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.09% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.09% |
| AMEEN AL AMEEN3 | 3001 SOUTH PROVIDENCE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.07% |
| TRAVER P HAGER3 | 2112 ENGLISH GARDEN WAY THOMPSONS STATION, TN 37179 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.07% |
| AARON C EVERLY3 | 2101 WEST BROADWAY SUITE 200 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.07% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.06% |
| CHAD M POSTON3 | 2101 WEST BROADWAY SUITE 200 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| JEFFREY M SATTERLEE3 | 6565 AMERICAS PARKWAY NORTHEAST SUITE 115 ALBUQUERQUE, NM 87110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JAMES R ASAHL3 | 5728 HENWICK LANE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| AUSTIN J PETERSON3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHN MYERS3 | 16024 MANCHESTER ROAD ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHN A BACON3 | 1267 LEIGHTON HOLLOW DRIVE DARDENNE PRAIRIE, MO 63368 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| GREGORY K WALKER3 | 1443 CONESTOGA TERRACE MOVERLY, MO 65270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $572 | — | $572 | 14.99% |
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 | 712 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 3 | $39K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 558 | $272K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 752 | $271K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 812 | $262K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 812 | $208K |
| Prescription drug(2 contracts) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 752 | $310K |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 752 | $271K |
| Other(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 812 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
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.