| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168K | — | $168K | 13.89% |
| SS ONE LLC3 | 7020 TAYLOR CREEK ROAD JEFFERSON CITY, MO 65101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.36% |
| REECE B WEST3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.24% |
| JUSTIN A GENTGES3 | 1744 W CATALPA ST, APT E33 SPRINGFIELD, MO 65807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.24% |
| STEVEN R LOCHHEAD JR3 Filed as: STEVEN G TOEBBEN | 1530 RAX COURT JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.24% |
| JAY P HIGGINS3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.14% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $830 | — | $830 | 0.07% |
| VANDEGRIFFE INCORPORATED3 | 1600 HERITAGE LANDING SUITE 115 SAINT CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | — | $118 | 0.01% |
| ZACHARY L SMITH3 | 319 N. MAIN STREET SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.00% |
| SEAN SMITH MANAGEMENT LLC3 | 319 N MAIN SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.00% |
| TY D MAYBERRY3 | 8451 RED OAK DRIVE GERALD, MO 63037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 7415 W. 130TH, SUITE 200 OVERLAND PARK, KS 66213 | HARTFORD LIFE AND ACCIDENT | $194K | — | $194K | 18.49% |
| VIZIENT INSURANCE SERVICES LLC3 | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | — | $39K | $39K | 3.66% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 1530 RAX COURT JEFFERSON CITY, MO 65109 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $40K | $12K | $52K | 12.81% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $10K | — | $10K | 9.34% |
| CRAIG LOWRANCE3 Filed as: CRAIG WINEGAR | 4355 S NATIONAL AVENUE APT # 601 SPRINGFIELD, MO 65810 | AFLAC | $4K | $536 | $4K | 4.32% |
| TY D MAYBERRY3 Filed as: TY MAYBERRY | 1717 MORRE ROAD OWENSVILLE, MO 65066 | AFLAC | $3K | $469 | $4K | 3.45% |
| SS ONE LLC3 | 7020 TAYLOR CREEK ROAD JEFFERSON CITY, MO 65101 | AFLAC | $2K | $131 | $2K | 1.90% |
| REECE B WEST3 | 5625 RAVENWOOD DRIVE JEFFERSON CITY, MO 65109 | AFLAC | $1K | $85 | $1K | 1.24% |
| STEVEN R LOCHHEAD JR3 Filed as: STEVEN G TOEBBEN | 6325 KLEFFNER RDG JFFERSON CITY, MO 65101 | AFLAC | $1K | $85 | $1K | 1.24% |
| JUSTIN ALLEN GENTGES3 | 2309 PETRUS CIRCLE OZARK, MO 65721 | AFLAC | $1K | — | $1K | 1.09% |
| JAY P HIGGINS3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $944 | — | $944 | 0.91% |
| IMPACT BENEFITS LLC3 | 506 S MAIN STREET CARTHAGE, MO 64836 | AFLAC | $88 | $16 | $104 | 0.10% |
| DAVID D CLIBURN3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $67 | — | $67 | 0.06% |
| WELLS MANAGEMENT LLC3 Filed as: WELLS MANAGEMENT, LLC | 11725 SE 960 PVT ROAD COLLINS, MO 64738 | AFLAC | $16 | $3 | $19 | 0.02% |
| DANIEL M MCALONE3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | AFLAC | $10 | — | $10 | 0.01% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 7415 W 130TH STREET, SUITE 200 OVERLAND PARK, KS 66213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 16.31% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 7415 W. 130TH STREET, SUITE 200 OVERLAND PARK, KS 66213 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $3K | $15K | 21.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 5.55% |
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 | 2,730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 4,972 | $403K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,684 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,937 | $1.3M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,684 | $1.1M |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,937 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,937 | — |
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.