| 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 | — | $798K | $798K | 7.00% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | COX HEALTH SYSTEMS INSURANCE COMPANY | $173K | — | $173K | 1.52% |
| ASSUREDPARTNERS5 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 303 W 3RD ST CARTHAGE, MO 64836 | COX HEALTH SYSTEMS INSURANCE COMPANY | $59K | — | $59K | 0.51% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | UNITED OF OMAHA LIFE INSURANCE CO | $36K | $18K | $54K | 12.44% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN ST KANSAS CITY, MO 64111 | UNITED OF OMAHA LIFE INSURANCE CO | $7K | — | $7K | 1.73% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | DELTA DENTAL OF MISSOURI | $16K | — | $16K | 4.89% |
| ASSUREDPARTNERS5 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN ST KANSAS CITY, MO 64111 | DELTA DENTAL OF MISSOURI | $5K | — | $5K | 1.39% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | UNITED OF OMAHA LIFE INSURANCE CO | $23K | $15K | $37K | 13.65% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN ST KANSAS CITY, MO 64111 | UNITED OF OMAHA LIFE INSURANCE CO | $5K | — | $5K | 1.72% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 5750 CARTHAGE, MO 64836 | UNITED OF OMAHA LIFE INSURANCE CO | $20K | $3K | $24K | 9.64% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CAPITAL INC | 4435 MAIN ST KANSAS CITY, MO 64111 | UNITED OF OMAHA LIFE INSURANCE CO | $4K | — | $4K | 1.76% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 303 W THIRD ST CARTHAGE, MO 64836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $13 | $5K | 4.96% |
| LANA L WILHITE LLC3 Filed as: LANA L WILHITE, LLC | 3046 S DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $46 | $4K | 3.82% |
| TGL ASSOCIATES LLC3 Filed as: TGL ASSOCIATES, LLC | 3046 S DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $225 | $4K | 3.51% |
| GAYE ANN HOLLOMAN3 | 3938 S LONE PINE AVE, APT B210 SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $113 | $3K | 2.68% |
| ANN MARIE THOMAS LLC3 Filed as: ANN MARIE THOMAS, LLC | 417 S MCGREGOR ST CARTHAGE, MO 64836 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $50 | $1K | 1.03% |
| CONNIE J ZIMMERMAN3 Filed as: CONNIE ZIMMERMAN | 2155 S WESTERN AVE SPRINGFIELD, MO 65807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $503 | — | $503 | 0.48% |
| WILLIAM NEAL SCHUMAKER3 | PO BOX 989 NIXA, MO 65714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| STEPHEN M HENSS LLC3 | 6 CHISEL CREEK DR LANDENBERG, PA 19350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| DAVID FELIX HARRIS3 | 701 WHITPAIN HILLS BLUE BELL, PA 19422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| SRA INSURANCE AGENCY LLC3 | PO BOX 612 CARTHAGE, MO 64836 | UNITED OF OMAHA LIFE INSURANCE CO | $7K | $1K | $8K | 9.71% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 4435 MAIN ST KANSAS CITY, MO 64111 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | — | $1K | 1.72% |
| SRA INSURANCE AGENCY LLC3 | 303 W 3RD ST CARTHAGE, MO 64836 | VISION SERVICE PLAN | $2K | — | $2K | 2.19% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 303 W 3RD ST CARTHAGE, MO 64836 | VISION SERVICE PLAN | $2K | — | $2K | 1.85% |
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 | 898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 1,723 | $11.4M |
| Dental | DELTA DENTAL OF MISSOURI | 1,463 | $334K |
| Vision | VISION SERVICE PLAN | 553 | $82K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 881 | $438K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 712 | $432K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 855 | $274K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 881 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,723 | — |
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.