| 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 | $880K | — | $880K | 9.52% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | COX HEALTH SYSTEMS INSURANCE COMPANY | $259K | — | $259K | 2.81% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | DELTA DENTAL OF MISSOURI | $18K | — | $18K | 4.99% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | UNITED OF OMAHA LIFE INSURANCE CO | $27K | $14K | $42K | 15.13% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 3.01% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | UNITED OF OMAHA LIFE INSURANCE CO | $22K | $13K | $34K | 15.73% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $6 | $5K | 4.13% |
| TGL ASSOCIATES LLC3 Filed as: TGL ASSOCIATES, LLC | 3046 S DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $576 | $4K | 3.21% |
| LANA L WILHITE LLC3 Filed as: LANA L WILHITE, LLC | 3046 S DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $116 | $4K | 3.19% |
| GAYE ANN HOLLOMAN3 | 3938 S LONE PINE AVE, APT B210 SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $212 | $3K | 2.27% |
| ANN MARIE THOMAS LLC3 Filed as: ANN MARIE THOMAS, LLC | 417 S MCGREGOR ST CARTHAGE, MO 64836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $632 | $40 | $672 | 0.61% |
| RALPH E ZIMMERMAN3 | 248 E MONASTERY ST #237 SPRINGFIELD, MO 65810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $347 | — | $347 | 0.31% |
| CONNIE J ZIMMERMAN3 Filed as: CONNIE ZIMMERMAN | 2155 S WESTERN AVE SPRINGFIELD, MO 65807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 0.15% |
| TRACY LYN ROSS3 | 2654 E STANFORD ST SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| WILLIAM NEAL SCHUMAKER3 | PO BOX 989 NIXA, MO 65714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| SRA INSURANCE AGENCY LLC3 | 303 W 3RD ST CARTHAGE, MO 64836 | VISION SERVICE PLAN | $2K | — | $2K | 2.94% |
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 | 723 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 1,639 | $9.2M |
| Dental | DELTA DENTAL OF MISSOURI | 1,382 | $352K |
| Vision | VISION SERVICE PLAN | 491 | $76K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 803 | $363K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 640 | $275K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 777 | $219K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 158 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,639 | — |
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.