| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN J DICKHERBER3 Filed as: KEVIN DICKHERBER | 2101 W. BROADWAY, SUITE 200 COLUMBIA, MO 65203 | AFLAC | $2K | $364 | $3K | 22.00% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING INC. | 3606 RIDGEVIEW DR., SUITE 200 COLUMBIA, MO 65203 | AFLAC | $484 | $61 | $545 | 4.20% |
| FREMON YOUNG3 | 2101 W. BROADWAY, SUITE 200 COLUMBIA, MO 65203 | AFLAC | $340 | — | $340 | 2.62% |
| JEREMY PILAND3 | 2626 E. OAKBROOK DR., APT. B COLUMBIA, MO 65202 | AFLAC | $275 | — | $275 | 2.12% |
| ANNEMARIE HEISE3 | 765 BAY CT. BROOKFIELD, WI 53005 | AFLAC | $44 | — | $44 | 0.34% |
| LISA MARIE QUISENBERRY3 | 929 BOX ELDER DR. KIRKWOOD, MO 63122 | AFLAC | $22 | — | $22 | 0.17% |
| TYSON C FUNK3 Filed as: TYSON C. FUNK | 917 CROWN POINT TERRACE CT. WILDWOOD, MO 63021 | AFLAC | $12 | — | $12 | 0.09% |
| TYE ELLIOTT3 | 1300 N. INDEPENDENCE CT. GERMANTOWN HILLS, IL 61548 | AFLAC | $5 | — | $5 | 0.04% |
| BRADLEY K HARRISON3 Filed as: BRADLEY K. HARRISON | 3432 W. TRUMAN BLVD. JEFFERSON CITY, MO 65109 | AFLAC | $4 | — | $4 | 0.03% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINGTON, TN 37919 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY HIMMELRICK3 Filed as: JEFFREY A. HIMMELRICK | 2215 W. A STREET NORTH PLATTE, NE 69101 | 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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $59K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $59K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $59K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
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.