| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANDWEHR INSURANCE SERVICES INC3 Filed as: LANDWEHR INSURANCE SERVICE INC | 101 E MCCARTY STREET JEFFERSON CITY, MO 65101 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 12.37% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 8.12% |
| THOMAS M MCCANN3 | 818 KEVIN DR. JEFFERSON CITY, MO 65109 | AFLAC | $856 | $51 | $907 | 7.63% |
| KEVIN J DICKHERBER3 | 7571 N FALL CREEK DR COLUMBIA, MO 65202 | AFLAC | $276 | $12 | $288 | 2.42% |
| SHANE M RIDENHOUR3 | 3115 GLENSTONE DR JEFFERSON CITY, MO 65109 | AFLAC | $93 | — | $93 | 0.78% |
| BRADLEY K HARRISON3 | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $76 | — | $76 | 0.64% |
| CHAD M POSTON3 | 2409 W ASH ST COLUMBIA, MO 65203 | AFLAC | $52 | $12 | $64 | 0.54% |
| AARON C EVERLY3 | 1123 WILKES BLVD, STE 330 COLUMBIA, MO 65201 | AFLAC | $48 | — | $48 | 0.40% |
| ASHTON CONSULTING INC3 | 5962 SCREAMING EAGLE LN COLUMBIA, MO 65203 | AFLAC | $30 | — | $30 | 0.25% |
| BRYAN C SWYERS3 | 2429 HYDE PARK RD. JEFFERSON CITY, MO 65109 | AFLAC | $30 | — | $30 | 0.25% |
| JENNIFER LEIGH WEAVER3 | 3815 BENNINGTON LN JEFFERSON CITY, MO 65109 | AFLAC | $22 | — | $22 | 0.19% |
| JAY P HIGGINS3 | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $21 | — | $21 | 0.18% |
| JON HARTMAN3 Filed as: JON HARTMAN AGENCY INC | 1400 FORUM BLVD, STE 9 COLUMBIA, MO 65203 | AFLAC | $18 | — | $18 | 0.15% |
| DANNY GENE HUNT3 | 1704 GREEN BERRY RD JEFFERSON CITY, MO 65101 | AFLAC | $18 | — | $18 | 0.15% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $13 | — | $13 | 0.11% |
| CHRISTIE LANDWEHR3 | 4104 N GRASSLAND DR. OZARK, MO 65721 | AFLAC | $12 | — | $12 | 0.10% |
| CHRISTOPHER M ASHTON3 | 5962 SCREAMING EAGLE LN COLUMBIA, MO 65201 | AFLAC | $8 | — | $8 | 0.07% |
| JOHN SCHAEFFERKOETTER3 | 6002 STERLING RIDGE RD JEFFERSON CITY, MO 65101 | AFLAC | $7 | — | $7 | 0.06% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $3 | — | $3 | 0.03% |
| JOHN MYERS3 | 17635 ORRVILLE RD WILDWOOD, MO 63005 | AFLAC | $2 | — | $2 | 0.02% |
| JOHN A BACON3 | 30837 SPRING VALLEY RD PAOLA, KS 66071 | AFLAC | $2 | — | $2 | 0.02% |
| JAMES A SMAARDYK3 | 3972 HOLLIS AVE PORT CHARLOTTE, FL 33953 | AFLAC | $2 | — | $2 | 0.02% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.01% |
| BHW ASSOCIATES LLC3 | 211 MARSHALL ST. JEFFERSON CITY, MO 65101 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY M SATTERLEE3 | 4351 JAGER DR NE STE J RIO RANCHO, NM 87144 | AFLAC | $1 | — | $1 | 0.01% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $1 | — | $1 | 0.01% |
| LANDWEHR INSURANCE SERVICES INC3 | P.O. BOX 1046 JEFFERSON CITY, MO 65102 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $171 | $1K | 10.00% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $102K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 170 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $102K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $102K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $102K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.