| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNSTAR INSURANCE GROUP LLC3 | 200 EAST SOUTHAMPTON DRIVE COLUMBIA, MO 65203 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | — | $26K | 6.61% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $18K | $18K | 4.54% |
| SUNSTAR INSURANCE GROUP LLC3 | 1 NORTH BRENTWOOD BOULEVARD CLAYTON, MO 63105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $3K | — | $3K | 0.88% |
| BRIAN D NEUNER3 | 7651 EAST HIGHWAY WW COLUMBIA, MO 65201 | AFLAC | $2K | $3 | $2K | 2.66% |
| DAVID D CLIBURN3 Filed as: DAVID MATHEW LYONS | 1112 GRACE LANE BOONVILLE, MO 65233 | AFLAC | $2K | — | $2K | 2.56% |
| KELLEY A BAX3 | 1303 MEHMERT PLACE JEFFERSON CITY, MO 65101 | AFLAC | $900 | $57 | $957 | 1.62% |
| AARON C EVERLY3 | 1123 WILKES BOULEVARD SUITE 330 COLUMBIA, MO 65201 | AFLAC | $658 | — | $658 | 1.12% |
| JAMI GONZALEZ3 Filed as: JAMI T GONZALEZ | 10224 NORTH 66TH DRIVE GLENDALE, AZ 85302 | AFLAC | $641 | — | $641 | 1.09% |
| CHRISTOPHER M ASHTON3 | 5962 SCREAMING EAGLE LANE COLUMBIA, MO 65201 | AFLAC | $418 | — | $418 | 0.71% |
| ADAM BAX3 | 3205 SOUTHWEST 8TH STREET BLUE SPRINGS, MO 64015 | AFLAC | $379 | $16 | $395 | 0.67% |
| LOGAN A BAX3 | 5605 NORTHEAST MISTY MEADOW PLACE LEES SUMMIT, MO 64064 | AFLAC | $337 | $15 | $352 | 0.60% |
| ROBERT C JOHNSTON3 | 7926 EAST 171ST STREET SUITE 103 BELTON, MO 64012 | AFLAC | $251 | $15 | $266 | 0.45% |
| DUSTIN T HARRIS3 Filed as: DUSTIN TAYLOR HARRIS | 915 COLORADO AVENUE GLENWOOD SPRINGS, CO 81601 | AFLAC | $205 | — | $205 | 0.35% |
| ADAM LECHTENBERG3 | 2701 PEBBLE CREEK COURT COLUMBIA, MO 65201 | AFLAC | $197 | — | $197 | 0.33% |
| DOMINIC J ASHLEY3 | 5431 MONTICELLO AVENUE DALLAS, TX 75206 | AFLAC | $166 | — | $166 | 0.28% |
| CHAD M POSTON3 | 2409 WEST ASH STREET COLUMBIA, MO 65203 | AFLAC | $126 | $3 | $129 | 0.22% |
| DUSTIN T HARRIS3 Filed as: DUSTIN TAYLOR HARRIS | 1015 COOPER AVENUE GLENWOOD SPRINGS, CO 81601 | AFLAC | $96 | — | $96 | 0.16% |
| ROBIN ELLIOTT3 | 2623 MOHAWK DRIVE JEFFERSON CITY, MO 65101 | AFLAC | $49 | — | $49 | 0.08% |
| JADE COMPANIES LLC3 Filed as: JADE NELSON | 1206 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $49 | — | $49 | 0.08% |
| ALEXANDER I MIRO3 | 7160 DALLAS PARKWAY SUITE 250 PLANO, TX 75024 | AFLAC | $42 | — | $42 | 0.07% |
| ERICA ROSE ASHLEY3 | 2173 MASERATI DRIVE FRISCO, TX 75033 | AFLAC | $41 | — | $41 | 0.07% |
| ANDREW N LUCCOCK3 | 22680 SOUTHWEST JAQUITH ROAD NEWBERG, OR 97132 | AFLAC | $32 | — | $32 | 0.05% |
| NADINE THERESA POLLMAN3 | 1306 SUMMIT CIRCLE BROOKINGS, SD 57006 | AFLAC | $31 | — | $31 | 0.05% |
| RYAN NORGREN3 | 3746 WEST LELAND AVENUE APARTMENT 1A CHICAGO, IL 60625 | AFLAC | $24 | — | $24 | 0.04% |
| LOGAN A BAX3 | 8807 STARK AVENUE KANSAS CITY, MO 64138 | AFLAC | $24 | — | $24 | 0.04% |
| TRACY L HOSTLER3 | 518 MAIN AVENUE BROOKINGS, SD 57006 | AFLAC | $22 | — | $22 | 0.04% |
| THE LUTHER GROUP LLC3 | 6525 NORTHWEST MELODY COURT PARKVILLE, MO 64152 | AFLAC | $16 | — | $16 | 0.03% |
| FRANK HIGGINS3 Filed as: FRANK LEE HIGGINS | 3128 COUNTRY CLUB DRIVE JEFFERSON CITY, MO 65109 | AFLAC | $15 | — | $15 | 0.03% |
| SARA LUCCOCK3 | 22680 SOUTHWEST JAQUITH ROAD NEWBERG, OR 97132 | AFLAC | $11 | — | $11 | 0.02% |
| DEBRA KAY ALDRIDGE3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $10 | — | $10 | 0.02% |
| TERRY ANN PARKER3 | 3019 SUNSET POINTE CIRCLE CAPE CORAL, FL 33914 | AFLAC | $8 | — | $8 | 0.01% |
| KIM R HARMS3 | 310 BIRCH AVENUE AURORA, SD 57002 | AFLAC | $8 | — | $8 | 0.01% |
| BRADLEY K HARRISON3 | 3824 BENNINGTON LANE JEFFERSON CITY, MO 65109 | AFLAC | $8 | — | $8 | 0.01% |
| ANDREW JAMES VAN HORN3 | 825 EAST VASSAR AVENUE FRESNO, CA 93704 | AFLAC | $7 | — | $7 | 0.01% |
| JEFFREY M SATTERLEE3 | 4351 JAGER DRIVE NORTHEAST SUITE B RIO RANCHO, NM 87144 | AFLAC | $5 | — | $5 | 0.01% |
| JAMES R ASAHL3 | 5728 HENWICK LANE JEFFERSON CITY, MO 65109 | AFLAC | $5 | — | $5 | 0.01% |
| G SCOTT COOKE3 Filed as: SCOTT E NIELSEN | 718B WEST FOURTH PLAIN BOULEVARD VANCOUVER, WA 98660 | AFLAC | $5 | — | $5 | 0.01% |
| JAY P HIGGINS3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $3 | — | $3 | 0.01% |
| BRYAN C SWYERS3 | 3219 EMERALD LANE SUITE 800 JEFFERSON CITY, MO 65109 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTIE LANDWEHR3 | 4104 NORTH GRASSLAND DRIVE OZARK, MO 65721 | AFLAC | $2 | — | $2 | 0.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $255 | — | $255 | 15.02% |
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 | 443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 532 | $397K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 503 | $311K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 532 | $397K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 532 | $397K |
| Prescription drug | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 503 | $311K |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 503 | $311K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 532 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.