| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $264K | — | $264K | 17.26% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146K | — | $146K | 12.41% |
| BRIAN W PATTEN3 | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47K | — | $47K | 3.99% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 1.35% |
| JAY P HIGGINS3 | 3823 BENNINGTON LANE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 0.79% |
| DAVID D CLIBURN3 | 211 MARSHALL STREET JEFFERSON CITY, MO 65101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 0.64% |
| HEATHER M BARTLEY3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 0.63% |
| STEVEN R LOCHHEAD JR3 Filed as: STEVEN G TOEBBEN | 6325 KLEFFNER RIDGE JEFFERSON CITY, MO 65101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 0.50% |
| JASON B PECAUT3 | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 0.46% |
| BRADLEY K HARRISON3 | 3824 BENNINGTON LANE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.38% |
| SS ONE LLC3 | 7020 TAYLOR CREEK ROAD JEFFERSON CITY, MO 65101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.27% |
| LAUREN MERKT3 | 1032 DUNCAN LANE PITTSBURGH, PA 15236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.26% |
| JONATHAN DAVID BESWARICK3 Filed as: JONATHAN BD BESWARICK | 250 ESTATES DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.25% |
| MITCHELL D ELLIOTT3 Filed as: MITCHELL D ELLIOT | 353 W 4TH STREET UNIT 304 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.17% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.14% |
| REECE B WEST3 | 215 SCOTT STATION RD APT. B JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $378 | — | $378 | 0.03% |
| JUSTIN A GENTGES3 | 1744 W CATALPA ST, APT E33 SPRINGFIELD, MO 65807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $375 | — | $375 | 0.03% |
| VICTOR N DARBY3 | 2459 N BRIGHTON ST BURBANK, CA 91504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | — | $138 | 0.01% |
| DAVID A WARNER3 | 2407 ALEXANDER MANOR WEST STEUBENVILLE, OH 43952 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | — | $130 | 0.01% |
| CRYSTAL B RAWLINS3 | 6 BRANDENBURG LANE CLAYSVILLE, PA 15323 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | — | $130 | 0.01% |
| VANDEGRIFFE INCORPORATED3 | 1600 HERITAGE LANDING SUITE 115 SAINT CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.01% |
| TRACEY ANZALDI3 | 113 SOUTHERN VALLEY COURT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.01% |
| JESSE R ORTEGA3 | 486 TYLER DRIVE NEW ALBANY, IN 47150 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.00% |
| ZACHARY L SMITH3 | 319 N. MAIN AVE SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.00% |
| SEAN SMITH MANAGEMENT LLC3 | 319 N MAIN AVE SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.00% |
| BRANDI L DONLIN5 | 810 RIVER AVE SUITE 230 PITTSBURGH, PA 15212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.00% |
| VICKY L LOMAX3 Filed as: VICKY L LOMEX | 201 CITY PARK ROAD MONESSEN, PA 15062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.00% |
| FRANCINE MARIE DIXON3 Filed as: FRANCINE M DIXON | 2900 43RD AVENUE SE MINOT, ND 58701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| TY D MAYBERRY3 | 8451 RED OAK ROAD GERALD, MO 63037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| MICHAEL S CLISE3 | PO BOX 228 EIGHTY FOUR, PA 15330 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.00% |
| DANIEL C HARRIS3 | 124 CARTERS GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| MICHAEL A. BITTEL3 Filed as: MICHAEL A BITTEL | 129 MARION DRIVE MCMURRAY, PA 15317 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| DAVID J MLINARICH3 Filed as: DAVID M LINARICH | 11041 BELAIRE DRIVE NORTH HUNTINGDON, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| REBECCA A DEFERRARO3 Filed as: REBECCA A DOEPKE | 307 MONOHAN DRIVE LOUISVILLE, KY 40207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MICHAEL H FLEMING3 | 11186 BROKERS LANE NORTH HUNTINGDON, PA 15642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LEANNE R PETERSON3 | 1809 S BROADWAY MINOT, ND 58701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LAURA M GOVANUS3 | 10300 LINN STATION ROAD LOUISVILLE, KY 40223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DEMETRIA A HOLT3 | 2439 AUTUMN ROAD INDIANAPOLIS, IN 46229 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CRAIG LOWRANCE3 Filed as: CRAIG E WINEGAR | 6013 COPPER RIDGE ST NIXA, MO 65714 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MAK AGENCY INC3 | 1316 20TH AVE SW MINOT, ND 58701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 1530 RAX COURT JEFFERSON CITY, MO 65109 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $40K | $16K | $57K | 14.04% |
| 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 | 14.99% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $6K | — | $6K | 6.86% |
| DAVID D CLIBURN3 Filed as: DAVID D.CLIBURN | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $2K | $18 | $2K | 1.83% |
| JAY P HIGGINS3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $1K | $4 | $1K | 1.52% |
| TY D MAYBERRY3 Filed as: TY D. MAYBERRY | 1717 MORRE ROAD OWENSVILLE, MO 65066 | AFLAC | $1K | — | $1K | 1.21% |
| SS ONE LLC3 | 7020 TAYLOR CREEK ROAD JEFFERSON CITY, MO 65101 | AFLAC | $793 | $1 | $794 | 0.95% |
| CRAIG LOWRANCE3 Filed as: CRAIG WINEGAR | 847 E BEECHWOOD ROAD NIXA, MO 65714 | AFLAC | $609 | — | $609 | 0.73% |
| BRADLEY K HARRISON3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $255 | $3 | $258 | 0.31% |
| JASON B PECAUT3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $190 | — | $190 | 0.23% |
| STEVEN R LOCHHEAD JR3 Filed as: STEVEN G TOEBBEN | 6325 KLEFFNER RDG JFFERSON CITY, MO 65101 | AFLAC | $96 | — | $96 | 0.11% |
| REECE B WEST3 | 3361 SW SENSATION DRIVE APT 926 LEES SUMMIT, MO 64081 | AFLAC | $70 | — | $70 | 0.08% |
| JUSTIN ALLEN GENTGES3 | 2309 PETRUS CIRCLE OZARK, MO 65721 | AFLAC | $31 | — | $31 | 0.04% |
| HEIDI A HERDMAN3 | 105 CHERRY HILL DR APT 221 BEVERLY, MA 01915 | AFLAC | $13 | — | $13 | 0.02% |
| MARIA C CUNHA3 Filed as: MARIA A CUNHA | 43 WASHINGTON ST GROVELAND, MA 01834 | AFLAC | $3 | — | $3 | 0.00% |
| DANIEL M MCALONE3 Filed as: DANIEL M. MCALONE | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $2 | — | $2 | 0.00% |
| 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 | $3K | — | $3K | 5.63% |
| 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 | 3.49% |
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 | 2,696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 4,855 | $403K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,254 | $1.5M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,976 | $1.3M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,254 | $1.6M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 5,976 | $2.9M |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.