| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 9.89% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD ROAD, SUITE 300 SAINT LOUIS, MO 63122 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.84% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.82% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AFLAC | $2K | — | $2K | 3.42% |
| CHRISTIE LANDWEHR2 | 225 ANN COURT JEFFERSON CITY, MO 65101 | AFLAC | $1K | $229 | $1K | 2.82% |
| CHRISTINA J AMMONS3 | 6909 SPRING PARK DRIVE JEFFERSON CITY, MO 65109 | AFLAC | $1K | $156 | $1K | 2.21% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $874 | — | $874 | 1.65% |
| KELLEY A BAX3 | 1303 MEHMERT PLACE JEFFERSON CITY, MO 65101 | AFLAC | $702 | — | $702 | 1.33% |
| JAY P HIGGINS3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $557 | $7 | $564 | 1.07% |
| JAMES W BLAIN3 | 1103 MAJOR DRIVE JEFFERSON CITY, MO 65101 | AFLAC | $453 | — | $453 | 0.86% |
| TY D MAYBERRY3 | 1717 MORRE ROAD OWENSVILLE, MO 65066 | AFLAC | $385 | $49 | $434 | 0.82% |
| SS ONE LLC3 | 7020 TAYLOR CREEK ROAD JEFFERSON CITY, MO 65101 | AFLAC | $317 | $56 | $373 | 0.71% |
| CHAD M POSTON3 | 3005 CHINABERRY DRIVE, SUITE A COLUMBIA, MO 65201 | AFLAC | $196 | — | $196 | 0.37% |
| PHILIP R BELLIN3 | 211 MARSHALL STREET JEFFERSON CITY, MO 65101 | AFLAC | $171 | — | $171 | 0.32% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE, SUITE 200 COLUMBIA, MO 65203 | AFLAC | $166 | — | $166 | 0.31% |
| RONNIE L STAGGS3 | 3327 COUNTRY VIEW COURT JEFFERSON CITY, MO 65101 | AFLAC | $164 | — | $164 | 0.31% |
| JOHN SCHAEFFERKOETTER3 Filed as: JOHN SCHFERKOTTER | 6002 STERLING RIDGE ROAD JEFFERSON CITY, MO 65101 | AFLAC | $154 | — | $154 | 0.29% |
| JEFFREY A WEHKING3 | 6203 WINGHAVEN POINTE DRIVE OFALLON, MO 63368 | AFLAC | $123 | — | $123 | 0.23% |
| DEBRA KAY ALDRIDGE3 Filed as: DEBRA KAY GABELSBERGER | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $106 | — | $106 | 0.20% |
| BRADLEY K HARRISON3 | 3432 WEST TRUMAN ROAD JEFFERSON CITY, MO 65109 | AFLAC | $106 | — | $106 | 0.20% |
| JASON B PECAUT3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $54 | $49 | $103 | 0.19% |
| BRAD D ROARK3 | 5323 TANNER BRIDGE ROAD JEFFERSON CITY, MO 65101 | AFLAC | $64 | — | $64 | 0.12% |
| AMY COLEEN BERHORST3 | 599 BERHORST TRL WESTPHALIA, MO 65085 | AFLAC | $58 | — | $58 | 0.11% |
| BHW ASSOCIATES LLC3 | 211 MARSHALL STREET JEFFERSON CITY, MO 65101 | AFLAC | $57 | — | $57 | 0.11% |
| JEREMY C PINGEL3 | 2 KELLWOOD DRIVE KIRKSVILLE, MO 63501 | AFLAC | $54 | — | $54 | 0.10% |
| WILLIAM A BENZ3 | 918 SOUTHWEST BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $52 | — | $52 | 0.10% |
| SHANE M RIDENHOUR3 | 3115 GLENSTONE DRIVE JEFFERSON CITY, MO 65109 | AFLAC | $42 | — | $42 | 0.08% |
| CHARLES D CHILES3 | 100 MONTEREY DRIVE JEFFERSON CITY, MO 65109 | AFLAC | $41 | — | $41 | 0.08% |
| KELLY THOMAS3 | 9800 OLD BASS ROAD EUGENE, MO 65032 | AFLAC | $40 | — | $40 | 0.08% |
| KRISTY GRAMLICH INC3 | 110 WESTWOODS DRIVE LIBERTY, MO 64068 | AFLAC | $35 | — | $35 | 0.07% |
| BRENT A BARNHILL3 | 4665 ROEMER ROAD COLUMBIA, MO 65202 | AFLAC | $35 | — | $35 | 0.07% |
| TRENT A PORTER3 | 3610 GRAYSTONE DRIVE JEFFERSON CITY, MO 65109 | AFLAC | $34 | — | $34 | 0.06% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $33 | — | $33 | 0.06% |
| JENNIFER LEIGH WEAVER3 | 3815 BENNINGTON LANE JEFFERSON CITY, MO 65109 | AFLAC | $26 | — | $26 | 0.05% |
| GAYE S WRIGHT3 | 2760 JAMES LANE SEDALIA, MO 65301 | AFLAC | $26 | — | $26 | 0.05% |
| BRYAN C SWYERS3 | 2429 HYDE PARK ROAD JEFFERSON CITY, MO 65109 | AFLAC | $24 | — | $24 | 0.05% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $18 | — | $18 | 0.03% |
| GREGORY BRIGHTMAN3 Filed as: GREGORY G BRIGHTMAN | 5589 CYPRESS COURT WESTERVILLE, OH 43082 | AFLAC | $18 | — | $18 | 0.03% |
| JENNIFER D WEHMEIR3 | 31322 SUNNYSIDE ROAD CALIFORNIA, MO 65018 | AFLAC | $10 | — | $10 | 0.02% |
| HH ASSOCIATES LLC3 | 3432 WEST TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $10 | — | $10 | 0.02% |
| BRIAN J ROONEY3 | 112 N 7TH STREET OWENSVILLE, MO 65066 | AFLAC | $7 | — | $7 | 0.01% |
| JEFFREY S TAYLOR3 | 820 WHITE OAK DRIVE NEWNAN, GA 30265 | AFLAC | $7 | — | $7 | 0.01% |
| TYSON C FUNK3 | 917 CROWN POINTE TERRACE COURT WILDWOOD, MO 63021 | AFLAC | $7 | — | $7 | 0.01% |
| AUSTIN J PETERSON3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $6 | — | $6 | 0.01% |
| WADE L MASONER3 | 175 SPRING AVENUE HOLTS SUMMIT, MO 65043 | AFLAC | $6 | — | $6 | 0.01% |
| MARK R HIGGINS3 | 515 E HIGH STREET, SUITE 200 JEFFERSON CITY, MO 65101 | AFLAC | $6 | — | $6 | 0.01% |
| RANDALL A LUECKENOTTE3 | 211 MARSHALL STREET JEFFERSON CITY, MO 65101 | AFLAC | $6 | — | $6 | 0.01% |
| K GRAMLICH INC3 | 110 WESTWOOD DRIVE LIBERTY, MO 64068 | AFLAC | $6 | — | $6 | 0.01% |
| GARY GIARRATANO3 | 13309 W 73RD STREET SHAWNEE, KS 66216 | AFLAC | $6 | — | $6 | 0.01% |
| DAVID D CLIBURN3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $5 | — | $5 | 0.01% |
| JEFFREY M SATTERLEE3 | 100 SUN AVENUE NE, SUITE 650 ALBUQUERQUE, NM 87109 | AFLAC | $4 | — | $4 | 0.01% |
| LURAL DOUGLA GREER3 Filed as: LURAL DOUGLAS GREER | 1007 EDEN STREET COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.01% |
| ROBIN M CALLAWAY3 | 10201 W MARKHAM STREET, SUITE 203 LITTLE ROCK, AR 72205 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFREY HIMMELRICK3 | 2215 WEST A STREET NORTH PLATTE, NE 69101 | AFLAC | $3 | — | $3 | 0.01% |
| ADAM MASSMAN3 | 398 DIX ROAD, SUITE 101 JEFFERSON CITY, MO 65109 | AFLAC | $3 | — | $3 | 0.01% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN MYERS3 | 81 GRAND MERIDIEN FIRST CHESTERFIELD, MO 63005 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID L TUTTLE3 | 7011 N HOLLY COURT KANSAS CITY, MO 64118 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES A SMAARDYK3 | 13435 S MCCALL ROAD, UNIT 16 PORT CHARLOTTE, FL 33981 | AFLAC | $2 | — | $2 | 0.00% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $2 | — | $2 | 0.00% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN A BACON3 | 30837 SPRING VALLEY ROAD PAOLA, KS 66071 | AFLAC | $1 | — | $1 | 0.00% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $1 | — | $1 | 0.00% |
| ANA MARIE GARCIA SMITH3 | 110 VANDERVIEW DRIVE SEYMOUR, TN 37868 | AFLAC | $1 | — | $1 | 0.00% |
| LURAL DOUGLA GREER3 Filed as: LURAL DOUGLAS GREER | 1007 EDEN STREET COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $138K |
| HOLMES MURPHY & ASSOCIATES EIN 42-0985055 BROKER | Other commissions Service code 55 | — | $64K |
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 | 202 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 71 | $53K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 305 | $155K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 305 | $155K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 305 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.