| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES E. NEUNER3 Filed as: JAMES E NEUNER | PO BOX 1046 JEFFERSON CITY, MO 65102 | KANSAS CITY LIFE INSURANCE COMPANY | $11K | — | $11K | 10.31% |
| THOMAS M MCCANN3 | 818 KEVIN DR. JEFFERSON CITY, MO 65109 | AFLAC | $1K | $77 | $1K | 8.90% |
| KEVIN J DICKHERBER3 | 7571 N FALL CREEK DR COLUMBIA, MO 65202 | AFLAC | $341 | $15 | $356 | 2.52% |
| SHANE M RIDENHOUR3 | 3115 GLENSTONE DR JEFFERSON CITY, MO 65109 | AFLAC | $127 | — | $127 | 0.90% |
| AARON C EVERLY3 | 1123 WILKES BLVD, STE 330 COLUMBIA, MO 65201 | AFLAC | $97 | $15 | $112 | 0.79% |
| BRADLEY K HARRISON3 | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $74 | — | $74 | 0.52% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DR, STE 200 COLUMBIA, MO 65203 | AFLAC | $58 | — | $58 | 0.41% |
| BRYAN C SWYERS3 | 2429 HYDE PARK RD. JEFFERSON CITY, MO 65109 | AFLAC | $43 | — | $43 | 0.30% |
| JON HARTMAN3 | 1400 FORUM BLVD, STE 9 COLUMBIA, MO 65203 | AFLAC | $31 | — | $31 | 0.22% |
| DANNY GENE HUNT3 | 1704 GREEN BERRY RD JEFFERSON CITY, MO 65101 | AFLAC | $20 | — | $20 | 0.14% |
| JAY P HIGGINS3 | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $12 | — | $12 | 0.08% |
| JON HARTMAN3 Filed as: JON HARTMAN AGENCY INC | 1400 FORUM BLDV, STE 9 COLUMBIA, MO 65203 | AFLAC | $10 | — | $10 | 0.07% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $9 | — | $9 | 0.06% |
| JOHN MYERS3 | 17635 ORRVILLE RD WILDWOOD, MO 63005 | AFLAC | $5 | — | $5 | 0.04% |
| JOHN A BACON3 | 30837 SPRING VALLEY RD PAOLA, KS 66071 | AFLAC | $4 | — | $4 | 0.03% |
| JAMES A SMAARDYK3 | 13435 S MCCALL RD, UNIT 16 PORT CHARLOTTE, FL 33981 | AFLAC | $2 | — | $2 | 0.01% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN D NEUNER3 | 7651 E HIGHWAY WW COLUMBIA, MO 65201 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY HIMMELRICK3 | 2215 W A ST NORTH PLATTE, NE 69101 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY M SATTERLEE3 | 100 SUN AVE NE, STE 650 ALBUQUERQUE, NM 87109 | AFLAC | $1 | — | $1 | 0.01% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $1 | — | $1 | 0.01% |
| AMANDA FREEHAUF3 Filed as: AMANDA JO FREEHAUF | 68680 KENILWORTH RD LAKEVILLE, IN 46536 | AFLAC | $1 | — | $1 | 0.01% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 103 | $106K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 103 | $106K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 103 | $106K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 103 | $106K |
| Other(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 103 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.