| 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 | — | $109K | $109K | 7.50% |
| CONNELL INSURANCE INC3 Filed as: CONNELL INSURANCE, INC. | PO BOX 1840 BRANSON, MO 65615 | COX HEALTH SYSTEMS INSURANCE COMPANY | $44K | $8K | $51K | 3.52% |
| CONNELL INSURANCE INC3 | PO BOX 1840 BRANSON, MO 65615 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 2.21% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $21 | $2K | 0.68% |
| CONNELL INSURANCE INC3 Filed as: CONNELL INSURANCE, INC. | PO BOX 1840 BRANSON, MO 65615 | VISION SERVICE PLAN | $883 | — | $883 | 6.50% |
| BEN A BALDRIDGE3 | PO BOX 967 FORSYTH, MO 65653 | AFLAC | $129 | — | $129 | 7.00% |
| ZACHARY L SMITH3 | 3000 EAST DIVISION STREET SUITE A SPRINGFIELD, MO 65802 | AFLAC | $68 | — | $68 | 3.69% |
| SEAN SMITH MANAGEMENT LLC3 | 319 NORTH MAIN AVENUE SUITE 130 SPRINGFIELD, MO 65806 | AFLAC | $16 | — | $16 | 0.87% |
| RYAN J HALLAM3 | 9124 NORTH FARM ROAD 173 SPRINGFIELD, MO 65803 | AFLAC | $14 | — | $14 | 0.76% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $5 | — | $5 | 0.27% |
| CONSTANCE I LAGER3 | 5109 NORTHEAST 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $2 | — | $2 | 0.11% |
| DONNA BAILEY3 Filed as: DONNA M BAILEY | 902 SOUTH ANN DRIVE MARSHALL, MO 65340 | AFLAC | $2 | — | $2 | 0.11% |
| JANET ZENTMIRE RIGSBY3 | 801 MELANAE COURT LIBERTY, MO 64068 | AFLAC | $2 | — | $2 | 0.11% |
| RICHARD RILEY3 | 503 SOUTH SARAH AVENUE REPUBLIC, MO 65738 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 1.63% |
| RALPH E ZIMMERMAN3 | 248 EAST MONASTERY STREET #237 SPRINGFIELD, MO 65810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.82% |
| LANA L WILHITE LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.54% |
| TGL ASSOCIATES LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.54% |
| GAYE ANN HOLLOMAN3 | 934 EAST WEBSTER STREET SPRINGFIELD, MO 65802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.18% |
| CONNELL INSURANCE INC3 | PO BOX 1840 BRANSON, MO 65615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.09% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 199 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 395 | $313K |
| Vision | VISION SERVICE PLAN | 72 | $14K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 395 | $314K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 3 | $3K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 395 | $313K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 395 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.