| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COX HEALTH SYSTEMS INSURANCE CO5 | PO BOX 5750 SPRINGFIELD, MO 65801 | COX HEALTH SYSTEMS INSURANCE COMPANY | — | $804K | $804K | 7.50% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | COX HEALTH SYSTEMS INSURANCE COMPANY | $202K | — | $202K | 1.89% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | DELTA DENTAL OF MISSOURI | $18K | — | $18K | 5.47% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 2.72% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | UNITED OF OMAHA LIFE INSURANCE CO | $21K | $3K | $24K | 11.52% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | UNITED OF OMAHA LIFE INSURANCE CO | $21K | $3K | $24K | 11.55% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | COLONIAL LIFE & ACCIDENT INSURANE COMPANY | $4K | $66 | $4K | 3.39% |
| LANA L WILHITE LLC3 Filed as: LANA L WILHITE, LLC | 3046 S DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANE COMPANY | $3K | $20 | $3K | 2.34% |
| TGL ASSOCIATES LLC3 Filed as: TGL ASSOCIATES, LLC | 3046 S DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANE COMPANY | $2K | $364 | $3K | 2.33% |
| GAYE ANN HOLLOMAN3 | 934 E WEBSTER ST SPRINGFIELD, MO 65802 | COLONIAL LIFE & ACCIDENT INSURANE COMPANY | $1K | $69 | $2K | 1.36% |
| RALPH E ZIMMERMAN3 | 248 E MONASTERY ST #237 SPRINGFIELD, MO 65810 | COLONIAL LIFE & ACCIDENT INSURANE COMPANY | $579 | — | $579 | 0.50% |
| DALE E WASHBURN3 | 133 POINT SEVEN RD KIMBERLING CITY, MO 65686 | COLONIAL LIFE & ACCIDENT INSURANE COMPANY | $139 | — | $139 | 0.12% |
| TRACY LYN ROSS3 | 1009 S NEOSHO BLVD NEOSHO, MO 64850 | COLONIAL LIFE & ACCIDENT INSURANE COMPANY | $118 | $1 | $119 | 0.10% |
| DEBORAH L MCCURTER3 | 3046 S DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANE COMPANY | $102 | — | $102 | 0.09% |
| ANN MARIE THOMAS LLC3 Filed as: ANN MARIE THOMAS, LLC | 417 S MCGREGOR ST CARTHAGE, MO 64836 | COLONIAL LIFE & ACCIDENT INSURANE COMPANY | $68 | — | $68 | 0.06% |
| WILLIAM NEAL SCHUMAKER3 | PO BOX 989 NIXA, MO 65714 | COLONIAL LIFE & ACCIDENT INSURANE COMPANY | $7 | — | $7 | 0.01% |
| SRA INSURANCE AGENCY LLC3 | 303 W 3RD ST CARTHAGE, MO 64836 | VISION SERVICE PLAN | $2K | — | $2K | 2.98% |
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 | 640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 1,591 | $10.7M |
| Dental | DELTA DENTAL OF MISSOURI | 1,265 | $331K |
| Vision | VISION SERVICE PLAN | 461 | $74K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 755 | $357K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 602 | $205K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 735 | $206K |
| Other | COLONIAL LIFE & ACCIDENT INSURANE COMPANY | 157 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,591 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.