| 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 | $165K | — | $165K | 16.12% |
| DAVID D CLIBURN3 | 211 MARSHALL STREET JEFFERSON CITY, MO 65101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 1.47% |
| STEVEN R LOCHHEAD JR3 Filed as: STEVEN G TOEBBEN | 1530 RAX COURT JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 1.33% |
| JASON B PECAUT3 | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 1.08% |
| JAY P HIGGINS3 | 1604 NOTTING HILL DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 1.06% |
| SS ONE LLC3 | 7020 TAYLOR CREEK ROAD JEFFERSON CITY, MO 65101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 0.84% |
| BRIAN W PATTEN3 | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.45% |
| REECE B WEST3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.22% |
| JUSTIN A GENTGES3 | 1744 W CATALPA ST, APT E33 SPRINGFIELD, MO 65807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.22% |
| VANDEGRIFFE INCORPORATED3 | 1600 HERITAGE LANDING SUITE 115 SAINT CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | — | $142 | 0.01% |
| ZACHARY L SMITH3 | 319 N. MAIN STREET SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.00% |
| SEAN SMITH MANAGEMENT LLC3 | 319 N MAIN SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.00% |
| TY D MAYBERRY3 | 8451 RED OAK ROAD GERALD, MO 63037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 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 | $192K | — | $192K | 20.51% |
| VIZIENT INSURANCE SERVICES LLC3 | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | — | $40K | $40K | 4.25% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 1530 RAX COURT JEFFERSON CITY, MO 65109 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $40K | — | $40K | 9.91% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $6K | — | $6K | 7.58% |
| JAY P HIGGINS3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $1K | $4 | $1K | 1.75% |
| SS ONE LLC3 | 7020 TAYLOR CREEK ROAD JEFFERSON CITY, MO 65101 | AFLAC | $1K | $110 | $1K | 1.66% |
| TY D MAYBERRY3 Filed as: TY D. MAYBERRY | 1717 MORRE ROAD OWENSVILLE, MO 65066 | AFLAC | $1K | $106 | $1K | 1.58% |
| DAVID D CLIBURN3 Filed as: DAVID D.CLIBURN | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $1K | — | $1K | 1.57% |
| STEVEN R LOCHHEAD JR3 Filed as: STEVEN G TOEBBEN | 6325 KLEFFNER RDG JFFERSON CITY, MO 65101 | AFLAC | $624 | $149 | $773 | 0.92% |
| JASON B PECAUT3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $547 | — | $547 | 0.65% |
| CRAIG LOWRANCE3 Filed as: CRAIG WINEGAR | 847 E BEECHWOOD ROAD NIXA, MO 65714 | AFLAC | $413 | $31 | $444 | 0.53% |
| JUSTIN ALLEN GENTGES3 | 2309 PETRUS CIRCLE OZARK, MO 65721 | AFLAC | $233 | $145 | $378 | 0.45% |
| REECE B WEST3 | 3361 SW SENSATION DRIVE APT 926 LEES SUMMIT, MO 64081 | AFLAC | $178 | $145 | $323 | 0.39% |
| BRADLEY K HARRISON3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $14 | — | $14 | 0.02% |
| DANIEL M MCALONE3 Filed as: DANIEL M. MCALONE | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | AFLAC | $3 | — | $3 | 0.00% |
| 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 | $12K | — | $12K | 15.01% |
| 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 | $4K | — | $4K | 6.17% |
| 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 | $2K | — | $2K | 3.32% |
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 | 2,723 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 4,829 | $408K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,254 | $935K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,976 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,254 | $996K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,976 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,976 | — |
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.