| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN J DICKHERBER3 Filed as: KEVIN DICKHERBER | 4005 IGUANA DR. COLUMBIA, MO 65202 | AFLAC | $5K | $225 | $5K | 23.02% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING INC. | 3606 RIDGEVIEW DR., SUITE 200 COLUMBIA, MO 65203 | AFLAC | $382 | $55 | $437 | 2.03% |
| AARON C EVERLY3 Filed as: AARON EVERLY | 1123 WILKES BLVD, STE. 330 COLUMBIA, MO 65201 | AFLAC | $328 | — | $328 | 1.53% |
| BAILEY HUHMANN3 | 1123 WILKES BLVD, STE. 330 COLUMBIA, MO 65201 | AFLAC | $304 | — | $304 | 1.41% |
| DANNY GENE HUNT3 Filed as: DANNY HUNT | 1704 GREEN BERRY RD. JEFFERSON CITY, MO 65101 | AFLAC | $92 | — | $92 | 0.43% |
| ANNEMARIE HEISE3 | 765 BAY CT. BROOKFIELD, WI 53005 | AFLAC | $40 | — | $40 | 0.19% |
| KAREN HARRIS3 | 11120 ROUTE W JEFFERSON CITY, MO 65101 | AFLAC | $31 | — | $31 | 0.14% |
| JOHN SCHAEFFERKOETTER3 | 6002 STERLING RIDGE RD JEFFERSON CITY, MO 65101 | AFLAC | $30 | — | $30 | 0.14% |
| LISA MARIE QUISENBERRY3 | 638 EVANS AVE ST. LOUIS, MO 63122 | AFLAC | $20 | — | $20 | 0.09% |
| WELLS MANAGEMENT LLC3 | 11725 SE 960 PVT RD COLLINS, MO 65738 | AFLAC | $12 | — | $12 | 0.06% |
| TYSON C FUNK3 Filed as: TYSON C. FUNK | 917 CROWN POINT TERRACE CT. WILDWOOD, MO 63021 | AFLAC | $11 | — | $11 | 0.05% |
| HEIDI MATUSZEK3 | 1311 W CLINTON AVE SEYMOUR, MO 65746 | AFLAC | $11 | — | $11 | 0.05% |
| SEAN SMITH MANAGEMENT LLC3 | 319 N. MAIN ST., STE. 130 SPRINGFIELD, MO 65806 | AFLAC | $6 | — | $6 | 0.03% |
| TYE ELLIOTT3 | 1300 N. INDEPENDENCE CT. GERMANTOWN HILLS, IL 61548 | AFLAC | $5 | — | $5 | 0.02% |
| BRADLEY K HARRISON3 Filed as: BRADLEY K. HARRISON | 3432 W. TRUMAN BLVD. JEFFERSON CITY, MO 65109 | AFLAC | $4 | — | $4 | 0.02% |
| JUDITH GREER LAHAY3 | 11026 SAINT AMBROSE LN SAINT ANN, MO 63074 | AFLAC | $3 | — | $3 | 0.01% |
| THE TORRES GROUP LLC3 | 1750 FARMINTON CIRCLE WELLINGTON, TN 37919 | AFLAC | $1 | — | $1 | 0.00% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE & ASSOCIATES, INC. | 1508 N. CHURCH RD, STE. B LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.00% |
| BRYAN MURPHY3 | 2436 CRIPPLE CREEK DR. SAINT LOUIS, MO 63129 | AFLAC | $1 | — | $1 | 0.00% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY VANDEGRIFFE | 17934 HOMESTEAD BLUFFS DR. WILDWOOD, MO 63005 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH ZEZZA3 | 448 RUSHFOIL DR. COLUMBIA, SC 29229 | AFLAC | $1 | — | $1 | 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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $67K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $67K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.