| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLSTREET FINANCIAL GROUP INC3 | 1530 RAX COURT JEFFERSON CITY, MO 651091794 | UNITED HEALTHCARE INSURANCE COMPANY | — | $13K | $13K | 1.14% |
| WALLSTREET FINANCIAL GROUP INC3 | 211 MARSHALL JEFFERSON CITY, MO 65101 | UNION SECURITY INSURANCE COMPANY | $5K | $4K | $9K | 11.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 40948 INDIANAPOLIS, IN 46240 | UNION SECURITY INSURANCE COMPANY | $7K | $2K | $9K | 25.93% |
| GAYE S WRIGHT3 Filed as: GAYE WRIGHT | 2300 W COUNTRY CLUB DRIVE SEDALIA, MO 65301 | AFLAC | $1K | $35 | $1K | 10.79% |
| ASHTON CONSULTING INC3 | 2101 W BROADWAY, SUITE 200 COLUMBIA, MO 65203 | AFLAC | $223 | $7 | $230 | 1.66% |
| CHAD M POSTON3 Filed as: CHAD POSTON | 2101 W BROADWAY SUITE 200 COLUMBIA, MO 65203 | AFLAC | $209 | — | $209 | 1.51% |
| HAYS COMPANIES, INC.3 Filed as: MINDY HAYS | 415 N MAIN STREET MONROE CITY, MO 63456 | AFLAC | $124 | — | $124 | 0.90% |
| BRADLEY K HARRISON3 Filed as: BRADLEY HARRISON | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $51 | — | $51 | 0.37% |
| ROSEMARY ZERBONIA3 | 244 HUMMINGBIRD LANE HANNIBAL, MO 63401 | AFLAC | $51 | — | $51 | 0.37% |
| ALEXANDER I MIRO3 Filed as: ALEXANDER MIRO | 1120 S 6TH STREET SUITE 110 SAINT LOUIS, MO 63104 | AFLAC | $35 | $7 | $42 | 0.30% |
| JANEANE E BROCKMAN3 Filed as: JANEANE BROCKMAN | 5804 LEATHERBROOK DRIVE COLUMBIA, MO 65203 | AFLAC | $37 | — | $37 | 0.27% |
| GERALD DAVIS3 | 1333 NORTHCREST DRIVE ANDERSON, IN 46012 | AFLAC | $28 | — | $28 | 0.20% |
| SHANE M RIDENHOUR3 Filed as: SHANE RIDENHOUR | 3115 GLENSTONE DRIVE JEFFERSON CITY, MO 65109 | AFLAC | $28 | — | $28 | 0.20% |
| JON HARTMAN3 | 1400 FORUM BLVD SUITE 9 COLUMBIA, MO 65203 | AFLAC | $26 | — | $26 | 0.19% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $23 | — | $23 | 0.17% |
| WHITNEY HARRISON INSURANCE INC3 | 2412 S FRANKLIN KIRKSVILLE, MO 63501 | AFLAC | $21 | — | $21 | 0.15% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 327 S WALNUT STREET FLORENCE, AL 35630 | AFLAC | $13 | — | $13 | 0.09% |
| JENNIFER LEIGH WEAVER3 Filed as: JENNIFER WEAVER | 211 MARSHALL STREET JEFFERSON CITY, MO 65101 | AFLAC | $13 | — | $13 | 0.09% |
| BRYAN C SWYERS3 Filed as: BRYAN SWYERS | 2429 HYDE PARK ROAD JEFFERSON CITY, MO 65109 | AFLAC | $12 | — | $12 | 0.09% |
| COURTNEY HURT3 | 5550 PONDEROSA DRIVE WEST DES MOINES, IA 50266 | AFLAC | $8 | — | $8 | 0.06% |
| HH ASSOCIATES LLC3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $4 | — | $4 | 0.03% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY VANDEGRIFFE | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63107 | AFLAC | $4 | — | $4 | 0.03% |
| ROBIN M CALLAWAY3 Filed as: ROBIN CALLAWAY | 10201 W MARKHAM STREET SUITE 203 LITTLE ROCK, AR 72205 | AFLAC | $2 | — | $2 | 0.01% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN D NEUNER3 Filed as: BRIAN NEUNER | 7651 E HIGHWAY WW COLUMBIA, MO 65201 | AFLAC | $1 | — | $1 | 0.01% |
| TYSON C FUNK3 Filed as: TYSON FUNK | 917 CROWN POINTE TERRACE CT WILDWOOD, MO 63021 | AFLAC | $1 | — | $1 | 0.01% |
| AUSTIN J PETERSON3 Filed as: AUSTIN PETERSON | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.01% |
| ROBERT WRIGHT3 | 2300 W COUNTRY CLUB DRIVE SEDALIA, MO 65301 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | 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 | 211 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 211 | $1.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 141 | $79K |
| Vision | UNION SECURITY INSURANCE COMPANY | 141 | $79K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 73 | $50K |
| Short-term disability | AFLAC | 26 | $14K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 73 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.