| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEIMDIEK INSURANCE AGENCY, INC. | 303 W. 3RD STREET JOPLIN, MO 64836 | COX HEALTH SYSTEMS INSURANCE COMPANY | $198K | — | $198K | 2.00% |
| BEIMDIEK INSURANCE AGENCY, INC.3 | 303 W 3RD ST CARTHAGE, MO 64836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $64 | $4K | 3.75% |
| LANA L WILHITE LLC3 | 3046 S DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $84 | $3K | 2.99% |
| TGL ASSOCIATES LLC3 | 3046 S DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $129 | $3K | 2.59% |
| GAYE ANN HOLLOMAN3 | 934 E WEBSTER ST SPRINGFIELD, MO 65802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $58 | $1K | 1.39% |
| RALPH E ZIMMERMAN3 | 248 E MONASTERY ST 237 SPRINGFIELD, MO 65802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.98% |
| TRACY LYN ROSS3 | 1009 S NEOSHO BLVD NEOSHO, MO 64850 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $575 | $25 | $600 | 0.57% |
| DALE E WASHBURN3 | 133 POINT SEVEN RD KIMBERLING CITY, MO 65686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | $1 | $255 | 0.24% |
| DEBORAH L MCCURTER3 | 3046 S DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 0.15% |
| WILLIAM NEAL SCHUMAKER3 | P.O. BOX 989 NIXA, MO 65714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
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 | 717 | 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) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COX HEALTH SYSTEMS INSURANCE COMPANY | 1,686 | $10.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,686 | — |
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."
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.