| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COX HEALTH SYSTEMS INSURANCE CO3 | PO BOX 5750 SPRINGFIELD, MO 65801 | COX HEALTH SYSTEMS INSURANCE COMPANY | — | $95K | $95K | 7.50% |
| NAUGHT-NAUGHT AGENCY3 Filed as: NAUGHT-NAUGHT INSURANCE AGENCY | PO BOX 1768 JEFFERSON CITY, MO 65102 | COX HEALTH SYSTEMS INSURANCE COMPANY | $46K | — | $46K | 3.59% |
| NAUGHT NAUGHT INS AGENCY3 Filed as: NAUGHT NAUGHT INS AGENCY INC | PO BOX 10 OZARK, MO 65721 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 7.42% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.96% |
| NAUGHT-NAUGHT AGENCY3 Filed as: NAUGHT-NAUGHT INSURANCE | PO BOX 1768 JEFFERSON CITY, MO 65102 | VISION SERVICE PLAN | $710 | — | $710 | 7.73% |
| RICHARD RILEY3 | 5714 EAST COLBY ROAD MESA, AZ 85205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.92% |
| RALPH E ZIMMERMAN3 Filed as: RALPH ZIMMERMAN | 2051 EAST NORSHIRE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.67% |
| TGL ASSOCIATES LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.13% |
| LANA L WILHITE LLC3 Filed as: LANA L WILHITE | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.13% |
| BEN A BALDRIDGE3 | PO BOX 967 FORSYTH, MO 65653 | AFLAC | $129 | — | $129 | 5.86% |
| ZACHARY L SMITH3 | 319 NORTH MAIN STREET SUITE 130 SPRINGFIELD, MO 65806 | AFLAC | $68 | — | $68 | 3.09% |
| SEAN SMITH MANAGEMENT LLC3 | 319 NORTH MAIN AVENUE SUITE 130 SPRINGFIELD, MO 65804 | AFLAC | $16 | — | $16 | 0.73% |
| RYAN J HALLAM3 | 3736 NORTH BRIDGEWOOD AVENUE SPRINGFIELD, MO 65803 | AFLAC | $14 | — | $14 | 0.64% |
| ROBERT HUNSAKER3 Filed as: ROBERT R HUNSAKER | 1412 NORTH WOODVIEW ROAD NIXA, MO 65714 | AFLAC | $13 | — | $13 | 0.59% |
| DAVID H SEVON3 | 1309 EAST REPUBLIC ROAD SUITE A SPRINGFIELD, MO 65804 | AFLAC | $7 | — | $7 | 0.32% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $5 | — | $5 | 0.23% |
| MICHAEL RAY3 | 201 NORTHEAST MEADOW DRIVE MOUNT VERNON, MO 65712 | AFLAC | $5 | — | $5 | 0.23% |
| DANNY L BARNES3 | 3512 SOUTH FORT AVENUE SPRINGFIELD, MO 65807 | AFLAC | $2 | — | $2 | 0.09% |
| RONALD E KIRKLAND3 | 4 SOTHEBY PLACE SOUTHEAST GURLEY, AL 35748 | AFLAC | $1 | — | $1 | 0.05% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 222 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 411 | $134K |
| Vision | VISION SERVICE PLAN | 44 | $9K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 411 | $137K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 8 | $5K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 411 | $134K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 411 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.