| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES E. NEUNER3 Filed as: JAMES E NEUNER | PO BOX 1046 JEFFERSON CITY, MO 65102 | KC LIFE | $13K | — | $13K | 10.43% |
| LANDWEHR INSURANCE SERVICES INC3 | P.O. BOX 1046 JEFFERSON CITY, MO 65102 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $31 | $1K | 8.51% |
| THOMAS M MCCANN3 | 818 KEVIN DR JEFFERSON CITY, MO 65109 | AFLAC | $507 | — | $507 | 4.52% |
| JENNIFER LEIGH WEAVER3 | 3815 BENNINGTON LN JEFFERSON CITY, MO 65109 | AFLAC | $261 | $19 | $280 | 2.50% |
| KEVIN J DICKHERBER3 | 7571 N FALL CREEK DR COLUMBIA, MO 65202 | AFLAC | $195 | — | $195 | 1.74% |
| LANDWEHR INSURANCE SERVICES INC3 | 101 E MCCARTY ST JEFFERSON CITY, MO 65101 | AFLAC | $137 | — | $137 | 1.22% |
| RIDENHOUR INSURANCE SERVICES LLC3 | 1270 CINNAMON HILL LN APT COLUMBIA, MO 65201 | AFLAC | $94 | — | $94 | 0.84% |
| CHAD M POSTON3 | 2409 W ASH ST COLUMBIA, MO 65203 | AFLAC | $84 | $5 | $89 | 0.79% |
| BRADLEY K HARRISON3 | 3824 BENNINGTON LN JEFFERSON CITY, MO 65109 | AFLAC | $81 | — | $81 | 0.72% |
| AARON C EVERLY3 | 1123 WILKES BLVD STE 330 COLUMBIA, MO 65201 | AFLAC | $47 | — | $47 | 0.42% |
| JAY P HIGGINS3 | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $39 | — | $39 | 0.35% |
| BRYAN C SWYERS3 | 3219 EMERALD LN STE 800 JEFFERSON CITY, MO 65109 | AFLAC | $31 | — | $31 | 0.28% |
| JOSEPH CHEEK3 | 5206 OPAL DR COLUMBIA, MO 65202 | AFLAC | $28 | — | $28 | 0.25% |
| CHRISTIE LANDWEHR3 | 4104 N GRASSLAND DR OZARK, MO 65721 | AFLAC | $25 | — | $25 | 0.22% |
| JOHN SCHAEFFERKOETTER3 | PO BOX 253 WESTPHALIA, MO 65085 | AFLAC | $15 | — | $15 | 0.13% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $14 | — | $14 | 0.12% |
| CHRISTOPHER M ASHTON3 | 5962 SCREAMING EAGLE LN COLUMBIA, MO 65201 | AFLAC | $10 | — | $10 | 0.09% |
| JON HARTMAN3 | 1400 FORUM BLVD STE 31 COLUMBIA, MO 65203 | AFLAC | $8 | — | $8 | 0.07% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $7 | — | $7 | 0.06% |
| JON HARTMAN3 Filed as: JON HARTMAN AGENCY INC | 1400 FORUM BLVD STE 31 COLUMBIA, MO 65203 | AFLAC | $2 | — | $2 | 0.02% |
| BHW ASSOCIATES LLC3 | 9740 N COPPER RIDGE TRL FOUNTAIN HILLS, AZ 85268 | AFLAC | $2 | — | $2 | 0.02% |
| CHRISTOPHER M ASHTON3 | 28 N 8TH ST GUITAR BLDG STE 317 COLUMBIA, MO 65201 | AFLAC | $1 | — | $1 | 0.01% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN MYERS3 | 17635 ORRVILLE RD WILDWOOD, MO 63005 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES A SMAARDYK3 | 3972 HOLLIS AVE PORT CHARLOTTE, FL 33953 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN A BACON3 | 30837 SPRING VALLEY RD PAOLA, KS 66071 | AFLAC | $1 | — | $1 | 0.01% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY M SATTERLEE3 | 4351 JAGER DR NE STE B RIO RANCHO, NM 87144 | AFLAC | $1 | — | $1 | 0.01% |
| AMANDA FREEHAUF3 Filed as: AMANDA J0 FREEHAUF | 68680 KENILWORTH RD LAKEVILLE, IN 46536 | AFLAC | $0 | — | $0 | 0.00% |
| ASHTON CONSULTING INC3 | 5962 SCREAMING EAGLE LN COLUMBIA, MO 65201 | AFLAC | $0 | — | $0 | 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 | 144 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | KC LIFE | 128 | $123K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $13K |
| Life insurance | KC LIFE | 128 | $123K |
| Short-term disability | KC LIFE | 128 | $123K |
| Long-term disability | KC LIFE | 128 | $123K |
| Other(2 contracts, 2 carriers) | KC LIFE | 128 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.