| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 SOUTHAMPTON DRIVE COLUMBIA, MO 65203 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $20K | $3K | $23K | 7.53% |
| 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 | 3.79% |
| 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 | $9K | — | $9K | 3.17% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP, INC | 200 EAST SOUTHAMPTON DRIVE COLUMBIA, MO 65203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $10K | $32K | 11.09% |
| 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 | $8K | — | $8K | 2.79% |
| DAVID D CLIBURN3 Filed as: DAVID MATHEW LYONS | 1112 GRACE LANE BOONVILLE, MO 65233 | AFLAC | $7K | $1K | $8K | 9.63% |
| BRIAN D NEUNER3 | 7651 EAST HIGHWAY WW COLUMBIA, MO 65201 | AFLAC | $6K | — | $6K | 6.62% |
| AARON C EVERLY3 | 1123 WILKES BOULEVARD SUITE 330 COLUMBIA, MO 65201 | AFLAC | $3K | $223 | $3K | 3.75% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $2K | $221 | $2K | 2.56% |
| JAMI GONZALEZ3 | 10224 NORTH 66TH DRIVE GLENDALE, AZ 85302 | AFLAC | $1K | — | $1K | 1.16% |
| ADAM LECHTENBERG3 | 2701 PEBBLE CREEK COURT COLUMBIA, MO 65201 | AFLAC | $922 | $3 | $925 | 1.06% |
| RYAN NORGREN3 | 1115 ASHLAND ROAD APARTMENT 103 COLUMBIA, MO 65201 | AFLAC | $560 | $104 | $664 | 0.76% |
| JAMI GONZALEZ3 | 1201 EAST EL CAMINO DRIVE PHOENIX, AZ 85020 | AFLAC | $542 | — | $542 | 0.62% |
| ROBIN ELLIOTT3 | 2623 MOHAWK DRIVE JEFFERSON CITY, MO 65101 | AFLAC | $166 | — | $166 | 0.19% |
| FRANK HIGGINS3 Filed as: FRANK LEE HIGGINS | PO BOX 1152 JEFFERSON CITY, MO 65102 | AFLAC | $57 | — | $57 | 0.07% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 EAST SOUTHAMPTON DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $57 | — | $57 | 0.07% |
| ALEXANDER I MIRO3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | AFLAC | $54 | — | $54 | 0.06% |
| JADE COMPANIES LLC3 | 1212 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $51 | — | $51 | 0.06% |
| ANDREW N LUCCOCK3 Filed as: ANDREW LUCCOCK | PO BOX 1965 WILSONVILLE, OR 97070 | AFLAC | $38 | — | $38 | 0.04% |
| ADAM LECHTENBERG3 | 5493 WATERFRONT DRIVE SOUTH COLUMBIA, MO 65202 | AFLAC | $37 | — | $37 | 0.04% |
| NADINE THERESA POLLMAN3 | 1212 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $33 | — | $33 | 0.04% |
| TRACY L HOSTLER3 | 3922 SOUTH WESTERN AVENUE SIOUX FALLS, SD 57105 | AFLAC | $22 | — | $22 | 0.03% |
| DEBRA KAY ALDRIDGE3 Filed as: DEBRA KAY GABELSBERGER | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $22 | — | $22 | 0.03% |
| CHAD M POSTON3 | 2721 INDUSTRIAL DRIVE SUITE A JEFFERSON CITY, MO 65109 | AFLAC | $14 | — | $14 | 0.02% |
| SARA LUCCOCK3 | 19766 WILDWOOD DRIVE WEST LINN, OR 97068 | AFLAC | $13 | — | $13 | 0.01% |
| BRADLEY K HARRISON3 | 3432 WEST TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $11 | — | $11 | 0.01% |
| TERRY ANN PARKER3 | 11175 SOUTHWEST BERLIN AVENUE WILSONVILLE, OR 97070 | AFLAC | $9 | — | $9 | 0.01% |
| KIM R HARMS3 | 310 BIRCH AVENUE AURORA, SD 57002 | AFLAC | $8 | — | $8 | 0.01% |
| JAY P HIGGINS3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $7 | — | $7 | 0.01% |
| BRYAN C SWYERS3 | 2429 HYDE PARK ROAD JEFFERSON CITY, MO 65109 | AFLAC | $7 | — | $7 | 0.01% |
| ANDREW JAMES VAN HORN3 | 6270 NORTH GARFIELD AVENUE FRESNO, CA 93723 | AFLAC | $7 | — | $7 | 0.01% |
| JEFFREY M SATTERLEE3 | 100 SUN AVENUE NORTHEAST SUITE 650 ALBUQUERQUE, NM 87109 | AFLAC | $6 | — | $6 | 0.01% |
| G SCOTT COOKE3 Filed as: SCOTT E NIELSEN | 718B WEST FOURTH PLAIN BOULEVARD VANCOUVER, WA 98660 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES R ASAHL3 | 5728 HENWICK LANE JEFFERSON CITY, MO 65109 | AFLAC | $5 | — | $5 | 0.01% |
| BAYLEY STULTS3 | 3500 SOUTH SCOTT BOULEVARD APARTMENT 10A COLUMBIA, MO 65203 | AFLAC | $3 | — | $3 | 0.00% |
| CHRISTIE LANDWEHR3 | 225 ANN COURT JEFFERSON CITY, MO 65101 | AFLAC | $3 | — | $3 | 0.00% |
| ROBIN M CALLAWAY3 | 10201 WEST MARKHAM STREET SUITE 203 LITTLE ROCK, AA 72205 | AFLAC | $1 | — | $1 | 0.00% |
| GINA SIENIA3 | PO BOX 446 ECHO, OR 97826 | AFLAC | $1 | — | $1 | 0.00% |
| ERIC DANIEL WEILAND3 | 14511 SOUTHWEST CORNERSTONE LANE SHERWOOD, OR 97140 | AFLAC | $1 | — | $1 | 0.00% |
| TYSON C FUNK3 | 917 CROWN POINTE TERRACE COURT WILDWOOD, MO 63021 | AFLAC | $1 | — | $1 | 0.00% |
| JON HARTMAN3 | 2101 CORONA ROAD SUITE 201 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $690 | — | $690 | 3.38% |
| BRIAN D NEUNER3 Filed as: BRIAN NEUNER | 7651 EAST HIGHWAY WW COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $391 | — | $391 | 1.91% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING | 2101 WEST BROADWAY SUITE 200 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | — | $198 | 0.97% |
| GARY W FITCH3 | 2101 CORONA ROAD SUITE 201 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $178 | — | $178 | 0.87% |
| JEFFREY M SATTERLEE3 | 6565 AMERICAS PARKWAY NORTHEAST ALBUQUERQUE, NM 87110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $150 | — | $150 | 0.73% |
| JAMI GONZALEZ3 Filed as: JAMI T GONZALEZ | 1207 EAST EL CAMINO DRIVE PHOENIX, AZ 85020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | — | $137 | 0.67% |
| HH ASSOCIATES LLC3 Filed as: HH ASSOCIATES, LLC | 1530 RAX COURT JEFFERSON, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 0.57% |
| APRIL L MELVIN3 | 2101 CORONA ROAD SUITE 201 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.26% |
| ALEXANDER I MIRO3 | 3406 KEENES EDGE COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.25% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.24% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.16% |
| AUSTIN J PETERSON3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.15% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE COURT WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.15% |
| KELLY W EASLEY3 | 5026 STATE ROAD J FULTON, MO 65251 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.13% |
| BAYLEY STULTS3 | 2101 CORONA ROAD SUITE 201 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.11% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.09% |
| ANDREW J VAN HORN3 | 2101 CORONA ROAD COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.09% |
| AMEEN AL AMEEN3 | 3001 SOUTH PROVIDENCE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.06% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| CHAD M POSTON3 | 2101 WEST BROADWAY SUITE 200 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| AARON C EVERLY3 | 1123 WILKES BOULEVARD SUITE 330 COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| TRAVER P HAGER3 | 2112 ENGLISH GARDEN WAY THOMPSONS STATION, TN 37179 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| JEFFREY M SATTERLEE3 | 6565 AMERICAS PARKWAY NORTHEAST SUITE 115 ALBUQUERQUE, NM 87110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JAMES R ASAHL3 | 5728 HENWICK LANE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $456 | — | $456 | 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 | 670 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 506 | $294K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 709 | $311K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 755 | $289K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 755 | $289K |
| Prescription drug | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 709 | $311K |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 709 | $311K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 755 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 755 | — |
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.