| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIABLE INSURANCE SERVICES3 Filed as: RELIABLE INSURANCE SERVICES LLC | 18 W SAINTE MARIE ST STE 1 PERRYVILLE, MO 637751325 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $3K | $31K | 19.29% |
| TIMOTHY J DOUBLEDEE3 Filed as: TIMOTHY DOUBLEDEE | 6600 SANDY DRIVE ALTENBURG, MO 63732 | AFLAC | $4K | $144 | $4K | 5.97% |
| VARIOUS3 | 760 S KINGSHIGHWAY SUITE M CAPE GIRARDEAU, MO 63703 | AFLAC | $2K | $66 | $3K | 3.89% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR. | 760 S. KINGSHIGHWAY CAPE GIRARDEAU, MO 63703 | AFLAC | $1K | — | $1K | 1.58% |
| BRITT F PARK3 Filed as: BRITT PARK | 625 LANDMARK DR. ARNOLD, MO 63010 | AFLAC | $459 | — | $459 | 0.70% |
| MANETA KIMBALL3 | 410 SOUTHGATE NIXA, MO 65714 | AFLAC | $382 | — | $382 | 0.59% |
| HOWARD F WECKEL INC3 | 5925 THOMAS ESTATES DRIVE HILLSBORO, MO 63050 | AFLAC | $294 | — | $294 | 0.45% |
| RELIABLE INSURANCE SERVICES3 Filed as: RELIABLE INSURANCE SERVICES, LLC | 18 WEST ST. MARIES STREET, SUITE 1 PERRYVILLE, MO 63775 | MISSOURI EYE CARE ALLIANCE, LLC (MECA) DBA VISION CARE DIRECT | $3K | — | $3K | 14.00% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DR. CLIFTON PARK, NY 12065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.07% |
| PREFERRED RESOURCE NETWORK, INC.3 | 9735 LANDMARK PARKWAY DR. SUITE 17 ST. LOUIS, MO 63127 | PREFERRED RESOURCE NETWORK, INC. | — | $3K | $3K | — |
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 | 360 | 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) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | MISSOURI EYE CARE ALLIANCE, LLC (MECA) DBA VISION CARE DIRECT | 201 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $163K |
| Short-term disability | AFLAC | 128 | $65K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $178K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.