| 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 | — | $101K | $101K | 7.50% |
| NAUGHT-NAUGHT AGENCY3 Filed as: NAUGHT NAUGHT INSURANCE AGENCY, INC | PO BOX 1768 JEFFERSON CITY, MO 65102 | COX HEALTH SYSTEMS INSURANCE COMPANY | $22K | — | $22K | 1.66% |
| CONNELL INSURANCE INC3 Filed as: CONNELL INSURANCE, INC. | PO BOX 1840 BRANSON, MO 65615 | COX HEALTH SYSTEMS INSURANCE COMPANY | $21K | — | $21K | 1.53% |
| NAUGHT NAUGHT INS AGENCY3 Filed as: NAUGHT NAUGHT INS AGENCY INC | PO BOX 10 OZARK, MO 65721 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $13 | $6K | 4.37% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $970 | $5K | 3.63% |
| CONNELL INSURANCE INC3 | PO BOX 1840 BRANSON, MO 65615 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.15% |
| NAUGHT-NAUGHT AGENCY3 Filed as: NAUGHT-NAUGHT INSURANCE | PO BOX 1768 JEFFERSON CITY, MO 65102 | VISION SERVICE PLAN | $502 | — | $502 | 4.77% |
| CONNELL INSURANCE INC3 Filed as: CONNELL INSURANCE, INC. | PO BOX 1840 BRANSON, MO 65615 | VISION SERVICE PLAN | $268 | — | $268 | 2.55% |
| BEN A BALDRIDGE3 Filed as: BEN BALDRIDGE | PO BOX 967 FORSYTH, MO 65653 | AFLAC | $129 | — | $129 | 6.13% |
| ZACHARY L SMITH3 Filed as: ZACHARY SMITH | 2740 SOUTH GLENSTONE AVENUE SUITE 202 SPRINGFIELD, MO 65804 | AFLAC | $69 | — | $69 | 3.28% |
| SEAN SMITH MANAGEMENT LLC3 | 319 NORTH MAIN AVENUE SUITE 130 SPRINGFIELD, MO 65806 | AFLAC | $16 | — | $16 | 0.76% |
| RYAN J HALLAM3 Filed as: RYAN HALLAM | 9124 NORTH FARM ROAD SUITE 173 SPRINGFIELD, MO 65803 | AFLAC | $14 | — | $14 | 0.67% |
| ROBERT HUNSAKER3 | 1412 NORTH WOODVIEW ROAD NIXA, MO 65714 | AFLAC | $9 | — | $9 | 0.43% |
| DAVID H SEVON3 Filed as: DAVID SEVON | 7651 WEST CARL AVENUE SPRINGFIELD, MO 65802 | AFLAC | $5 | — | $5 | 0.24% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $5 | — | $5 | 0.24% |
| MICHAEL RAY3 | 201 NORTHEAST MEADOW DRIVE MOUNT VERNON, MO 65712 | AFLAC | $5 | — | $5 | 0.24% |
| JANET RIGSBY3 | 801 MELANAE COURT LIBERTY, MO 64068 | AFLAC | $2 | — | $2 | 0.10% |
| JOSEPH ZEZZA3 | 448 RUSHFOIL DRIVE COLUMBIA, SC 29229 | AFLAC | $2 | — | $2 | 0.10% |
| DONNA BAILEY3 | 354 LAKESIDE DRIVE LIBERTY, MO 64068 | AFLAC | $2 | — | $2 | 0.10% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.05% |
| RICHARD RILEY3 | 420 WILD TURKEY DRIVE BILLINGS, MO 65610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.95% |
| RALPH E ZIMMERMAN3 Filed as: RALPH ZIMMERMAN | 248 EAST MONASTERY STREET #237 SPRINGFIELD, MO 65810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.85% |
| LANA L WILHITE LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.26% |
| TGL ASSOCIATES LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.21% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 231 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 423 | $141K |
| Vision | VISION SERVICE PLAN | 51 | $11K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 423 | $143K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 4 | $4K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 423 | $141K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 423 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.