| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALLSTREET FINANCIAL GROUP INC3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $15K | — | $15K | 1.32% |
| WALLSTREET FINANCIAL GROUP INC3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 5.39% |
| GALLAGHER BENEFIT SERVICES, INC.5 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 40948 INDIANAPOLIS, IN 46240 | UNION SECURITY INSURANCE COMPANY | $8K | $2K | $10K | 25.00% |
| BRADLEY A MANGUS3 | 1411 N CAPE ROCK ROAD CAPE GIRARDEAU, MO 63701 | AFLAC | $1K | — | $1K | 6.67% |
| LINDSEY CURLEE3 Filed as: LINDSEY A CURLEE | 943 N HILLS DRIVE CAPE GIRARDEAU, MO 63701 | AFLAC | $913 | — | $913 | 4.94% |
| PRIDE INSURANCE LLC3 | 2300 W COUNTRY CLUB DRIVE SEDALIA, MO 65301 | AFLAC | $845 | — | $845 | 4.58% |
| JOSHUA LEE JONES3 | 16049 WILSON MANOR DRIVE CHESTERFIELD, MO 63005 | AFLAC | $429 | — | $429 | 2.32% |
| GAYE S WRIGHT3 Filed as: GAYE WRIGHT | 2760 JAMES LANE SEDALIA, MO 65301 | AFLAC | $381 | — | $381 | 2.06% |
| EDWARD K ENDERS3 | 60 BROOKSHIRE DRIVE SAINT PETERS, MO 63376 | AFLAC | $240 | — | $240 | 1.30% |
| HAYS COMPANIES, INC.3 Filed as: MINDY HAYS | 415 N MAIN STREET MONROE CITY, MO 63456 | AFLAC | $186 | — | $186 | 1.01% |
| GAYE S WRIGHT3 | 2300 W COUNTRY CLUB FRIVE SEDALIA, MO 65301 | AFLAC | $117 | $14 | $131 | 0.71% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE, STE 200 COLUMBIA, MO 65203 | AFLAC | $92 | $3 | $95 | 0.51% |
| BRADLEY K HARRISON3 Filed as: BRADLEY HARRISON | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $45 | — | $45 | 0.24% |
| AMBER DAWN MANGUS3 | 675 REED WADE ROAD BATESVILLE, AR 72501 | AFLAC | $40 | — | $40 | 0.22% |
| ROSEMARY ZERBONIA3 | 244 HUMMINGBIRD LANE HANNIBAL, MO 63401 | AFLAC | $37 | — | $37 | 0.20% |
| MYESHA MHOON3 | 214 DOROTHY STREET SIKESTON, MO 63801 | AFLAC | $35 | — | $35 | 0.19% |
| JANEANE E BROCKMAN3 Filed as: JANEANE BROCKMAN | 5804 LEATHERBROOK DRIVE COLUMBIA, MO 65203 | AFLAC | $30 | — | $30 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ELDON R GALLAHER | 704 E 1900TH ST LIBERTY, IL 62347 | AFLAC | $24 | — | $24 | 0.13% |
| SHANE M RIDENHOUR3 Filed as: SHANE RIDENHOUR | 3115 GLENSTONE DRIVE JEFFERSON CITY, MO 65109 | AFLAC | $23 | — | $23 | 0.12% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $22 | — | $22 | 0.12% |
| WHITNEY HARRISON INSURANCE INC3 | 2412 S FRANKLIN KIRKSVILLE, MO 63501 | AFLAC | $21 | — | $21 | 0.11% |
| ALEXANDER I MIRO3 Filed as: ALEXANDER MIRO | 1120 S 6TH STREET SUITE 110 SAINT LOUIS, MO 63104 | AFLAC | $21 | — | $21 | 0.11% |
| JON HARTMAN3 | 1400 FORUM BLVD SUITE 9 COLUMBIA, MO 65203 | AFLAC | $17 | — | $17 | 0.09% |
| GERALD DAVIS3 | 1333 NORTHCREST DRIVE ANDERSON, IN 46012 | AFLAC | $15 | — | $15 | 0.08% |
| CHAD M POSTON3 Filed as: CHAD POSTON | 2101 W BROADWAY SUITE 200 COLUMBIA, MO 65203 | AFLAC | $10 | $3 | $13 | 0.07% |
| ERIC MCCLELLAND3 | 6231 N 96TH STREET FOWLER, IL 62338 | AFLAC | $13 | — | $13 | 0.07% |
| CHAD M POSTON3 | 2721 INDUSTRIAL DRIVE SUITE A JEFFERSON CITY, MO 65109 | AFLAC | $11 | — | $11 | 0.06% |
| ALEXANDER I MIRO3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | AFLAC | $11 | — | $11 | 0.06% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH E PUPEK, JR | 343 FAIRWAYS DRIVE MACON, GA 31220 | AFLAC | $10 | — | $10 | 0.05% |
| COURTNEY HURT3 | 5550 PONDEROSA DRIVE WEST DES MOINES, IA 50266 | AFLAC | $8 | — | $8 | 0.04% |
| CHRISTOPHER J BAYER3 | 1416 N BROAD STREET GALESBURG, IL 61401 | AFLAC | $6 | — | $6 | 0.03% |
| ROBIN M CALLAWAY3 Filed as: ROBIN CALLAWAY | 10201 W MARKHAM STREET SUITE 203 LITTLE ROCK, AR 72205 | AFLAC | $6 | — | $6 | 0.03% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $4 | — | $4 | 0.02% |
| BRADLEY T VANDEGRIFFE3 | 17934 HOMESTEAD BLUFFS DRIVE WILDWOOD, MO 63005 | AFLAC | $4 | — | $4 | 0.02% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.02% |
| BRIAN D NEUNER3 Filed as: BRIAN NEUNER | 7651 E HIGHWAY WW COLUMBIA, MO 65201 | AFLAC | $3 | — | $3 | 0.02% |
| TYSON C FUNK3 Filed as: TYSON FUNK | 917 CROWN POINTE TERRACE CT WILDWOOD, MO 63021 | AFLAC | $3 | — | $3 | 0.02% |
| AUSTIN J PETERSON3 Filed as: AUSTIN PETERSON | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $3 | — | $3 | 0.02% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $3 | — | $3 | 0.02% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH PUPEK JR | 327 S WALNUT STREET FLORENCE, AL 35630 | AFLAC | $3 | — | $3 | 0.02% |
| JOHN A BACON3 | 1025 DURHAM GARDEN COURT O FALLON, MO 63368 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN MYERS3 | 81 GRAND MERIDIEN FIRST CHESTERFIELD, MO 63005 | AFLAC | $2 | — | $2 | 0.01% |
| TAMMY KILGORE3 Filed as: TAMMY L KILGORE | 2209 BELLA FIORE LANE PONTIAC, IL 61764 | AFLAC | $1 | — | $1 | 0.01% |
| TRAVIS COCKBURN3 Filed as: TRAVIS J COCKBURN | 402 N MAIN STREET BENTON, IL 62812 | AFLAC | $1 | — | $1 | 0.01% |
| CHRISTY LANDWEHR3 | 225 ANN COURT JEFFERSON CITY, MO 65101 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY M SATTERLEE3 | 6565 AMERICAS PARKWAY NE SUITE 115 ALBUQUERQUE, NM 87110 | AFLAC | $1 | — | $1 | 0.01% |
| HH ASSOCIATES LLC3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | 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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 207 | $1.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 139 | $86K |
| Vision | UNION SECURITY INSURANCE COMPANY | 139 | $86K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 74 | $57K |
| Short-term disability | AFLAC | 24 | $18K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 74 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
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.