| 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 | $16K | $12K | $28K | 8.56% |
| 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 | $13K | — | $13K | 4.00% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 EAST SOUTHAMPTON DRIVE COLUMBIA, MO 65203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 5.74% |
| AARON C EVERLY3 | 1123 WILKES BOULEVARD SUITE 330 COLUMBIA, MO 65201 | AFLAC | $588 | $55 | $643 | 2.81% |
| BRIAN D NEUNER3 | 7651 EAST HIGHWAY WW COLUMBIA, MO 65201 | AFLAC | $611 | — | $611 | 2.67% |
| DUSTIN T HARRIS3 Filed as: DUSTIN TAYLOR HARRIS | 502 WEST LATHROP ROAD COLUMBIA, MO 65203 | AFLAC | $376 | — | $376 | 1.64% |
| GREG WALKER3 | 13420 PENNSYLVANIA COURT KANSAS CITY, MO 64145 | AFLAC | $148 | $131 | $279 | 1.22% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $257 | — | $257 | 1.12% |
| RYAN NORGREN3 | 1115 ASHLAND ROAD APARTMENT 103 COLUMBIA, MO 65201 | AFLAC | $67 | $142 | $209 | 0.91% |
| JANEANE E BROCKMAN3 | 5804 LEATHERBROOK DRIVE COLUMBIA, MO 65203 | AFLAC | $116 | — | $116 | 0.51% |
| BRYAN C SWYERS3 | 2429 HYDE PARK ROAD JEFFERSON CITY, MO 65109 | AFLAC | $102 | — | $102 | 0.45% |
| SHANE M RIDENHOUR3 Filed as: SHANE M RIDEHOUR | 3115 GLENSTONE DRIVE JEFFERSON CITY, MO 65109 | AFLAC | $92 | — | $92 | 0.40% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $34 | $55 | $89 | 0.39% |
| ALEXANDER I MIRO3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | AFLAC | $73 | — | $73 | 0.32% |
| JAY P HIGGINS3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $56 | — | $56 | 0.24% |
| BRADLEY K HARRISON3 Filed as: BRADLEY HARRISON | 3432 WEST TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $31 | — | $31 | 0.14% |
| RACHELLE MEYERS3 | 107 EAST NASHVILLE CHURCH ROAD ASHLAND, MO 65010 | AFLAC | $27 | — | $27 | 0.12% |
| JON HARTMAN3 | 1400 FORUM BOULEVARD SUITE 9 COLUMBIA, MO 65203 | AFLAC | $26 | — | $26 | 0.11% |
| GARY WILLIAM FITCH3 Filed as: GARY FITCH | 12050 WEST ROCHEPORT GRAVEL ROAD ROCHEPORT, MO 65279 | AFLAC | $20 | — | $20 | 0.09% |
| AN ADDED BENEFIT INC3 | 4897 OAKS NORTH DRIVE DALLAS, TX 75254 | AFLAC | $13 | — | $13 | 0.06% |
| ROBIN M CALLAWAY3 Filed as: ROBIN CALLAWAY | 10201 WEST MARKHAM STREET SUITE 203 LITTLE ROCK, AR 72205 | AFLAC | $11 | — | $11 | 0.05% |
| JEFFREY M SATTERLEE3 | 6565 AMERICAS PARKWAY NORTHEAST SUITE 115 ALBUQUERQUE, NM 87110 | AFLAC | $10 | — | $10 | 0.04% |
| CHRISTINA J AMMONS3 Filed as: CHRISTINA STEGEMAN | 6909 SPRING PARK DRIVE JEFFERSON CITY, MO 65109 | AFLAC | $10 | — | $10 | 0.04% |
| APRIL MELVIN3 | PO BOX 162 ASHLAND, MO 65010 | AFLAC | $10 | — | $10 | 0.04% |
| WORKSITE BENEFIT SOLUTIONS INC3 | 7598 BRIAR CLIFF DRIVE LAKE WORTH, FL 33467 | AFLAC | $9 | — | $9 | 0.04% |
| TYSON C FUNK3 Filed as: TYSON FUNK | 917 CROWN POINTE TERRACE COURT WILDWOOD, MO 63021 | AFLAC | $8 | — | $8 | 0.03% |
| JEFFREY M SATTERLEE3 | 100 SUN AVENUE NORTHEAST SUITE 650 ALBURQUERQUE, NM 87109 | AFLAC | $8 | — | $8 | 0.03% |
| JOHN N DELL3 | 2506 SOUTHWEST EGRET POND CIRCIE PALM CITY, FL 34990 | AFLAC | $8 | — | $8 | 0.03% |
| KATHRYN CUNNINGHAM3 | 401 VANDIVER DRIVE COLUMBIA, MO 65202 | AFLAC | $6 | — | $6 | 0.03% |
| HH ASSOCIATES LLC3 | 3432 WEST TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $6 | — | $6 | 0.03% |
| FRED SNODDY3 | 8560 DRY NEEDLE PLACE COLORADO SPRINGS, CO 80908 | AFLAC | $5 | — | $5 | 0.02% |
| SUE EUSEPI AND ASSOC INC3 Filed as: SUE EUSER AND ASSOC INC | PO BOX 631 JUPITER, FL 33468 | AFLAC | $5 | — | $5 | 0.02% |
| AUSTIN J PETERSON3 Filed as: AUSTIN PETERSON | 1116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $4 | — | $4 | 0.02% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PARKWAY SOUTHEAST SUITE 900 ATLANTA, GA 30339 | AFLAC | $4 | — | $4 | 0.02% |
| CHRISTOPHER M ASHTON3 Filed as: CHRISTOPHER ASHTON | 3606 RIDGEVIEW DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $2 | — | $2 | 0.01% |
| AMEEN AL AMEEN3 | 20430 CAROLINA CHERRY COURT TAMPA, FL 33647 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN A BACON3 Filed as: JOHN BACON | 13716 PARKHILL OVERLAND PARK, KS 66221 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES R ASAHL3 Filed as: JAMES ASAHL | 5728 HENWICK LANE JEFFERSON CITY, MO 65109 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTOPHER M ASHTON3 | 3606 RIDGEVIEW DRIVE SUITE 200 COLUMBIA, MO 65203 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN MYERS3 | 81 GRAND MERIDIEN FRST CHESTERFIELD, MO 63005 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTINA J AMMONS3 | 6909 SPRING PARK DRIVE JEFFERSON CITY, MO 65109 | AFLAC | $2 | — | $2 | 0.01% |
| DAVIS S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE SUITE 1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.00% |
| SUSAN P WATLEY3 | 6336 INDEPENDENCE DRIVE COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 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 | 160 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 29 | $23K |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $659K |
| Vision(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $659K |
| Life insurance(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $659K |
| Long-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $659K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 142 | $497K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $682K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.