| 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 | — | $104K | $104K | 7.50% |
| CONNELL INSURANCE INC3 Filed as: CONNELL INSURANCE, INC. | PO BOX 1840 BRANSON, MO 65615 | COX HEALTH SYSTEMS INSURANCE COMPANY | $62K | — | $62K | 4.51% |
| CONNELL INSURANCE INC3 Filed as: CONNELL INSURANCE, INC. | PO BOX 1840 BRANSON, MO 65615 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $4K | $17K | 9.84% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.23% |
| CONNELL INSURANCE INC3 Filed as: CONNELL INS INC | PO BOX 1840 BRANSON, MO 65615 | METROPOLITAN LIFE INSURANCE COMPANY | $974 | $134 | $1K | 17.98% |
| CONNELL INSURANCE INC3 Filed as: CONNELL INS INC | PO BOX 1840 BRANSON, MO 65615 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $164 | $1K | 26.16% |
| CONNELL INSURANCE INC3 Filed as: CONNELL INS INC | PO BOX 1840 BRANSON, MO 65615 | METROPOLITAN LIFE INSURANCE COMPANY | $978 | $134 | $1K | 21.31% |
| BEN A BALDRIDGE3 | PO BOX 967 FORSYTH, MO 65653 | AFLAC | $108 | — | $108 | 7.03% |
| ZACHARY L SMITH3 | 3000 EAST DIVISION STREET SUITE A SPRINGFIELD, MO 65802 | AFLAC | $57 | — | $57 | 3.71% |
| SEAN SMITH MANAGEMENT LLC3 | 319 NORTH MAIN AVENUE SUITE 130 SPRINGFIELD, MO 65806 | AFLAC | $14 | — | $14 | 0.91% |
| RYAN J HALLAM3 | 9124 NORTH FARM ROAD 173 SPRINGFIELD, MO 65803 | AFLAC | $12 | — | $12 | 0.78% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 NORTH CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $4 | — | $4 | 0.26% |
| CONSTANCE I LAGER3 | 5109 NORTHEAST 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $2 | — | $2 | 0.13% |
| DONNA BAILEY3 Filed as: DONNA M BAILEY | 902 SOUTH ANN DRIVE MARSHALL, MO 65340 | AFLAC | $2 | — | $2 | 0.13% |
| JANET ZENTMIRE RIGSBY3 | 801 MELANAE COURT LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.07% |
| RICHARD RILEY3 | 503 SOUTH SARAH AVENUE REPUBLIC, MO 65738 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 1.58% |
| RALPH E ZIMMERMAN3 | 248 EAST MONASTERY STREET #237 SPRINGFIELD, MO 65810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.69% |
| LANA L WILHITE LLC3 Filed as: LANA L WIHITE LLC | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.40% |
| TGL ASSOCIATES LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.40% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 161 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $170K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $170K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $171K |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $172K |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.