| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERYLE CALHOUN INSURANCE Filed as: CHERYLE CALHOUN INSURANCE INC. | 8 N. MAIN ST FARMINGTON, MO 63640 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $38K | — | $38K | 2.18% |
| CHERYLE CALHOUN INSURANCE Filed as: CHERYLE CALHOUN INSURANCE INC. | 8 N. MAIN ST FARMINGTON, MO 63640 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY DENTAL | $80K | — | $80K | 100.00% |
| UVETA MATTHEWS NEWCOMER3 | C/O UVETA MATTHEWS NEWCOMER POPLAR BLUFF, MO 63901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.45% |
| MIKE KEITH Filed as: MIKE KEITH INSURANCE INC. | PO BOX 388 CLINTON, MO 64735 | AMERICAN FIDELITY ASSURANCE COMPANY | $174 | — | $174 | 64.93% |
| SHAFFER, KELLY S Filed as: SHAFFER, KELLY S. | 910 MURPHYS WAY FARMINGTON, MO 63640 | AMERICAN FIDELITY ASSURANCE COMPANY | $75 | — | $75 | 27.99% |
| SCHICK, CARL J | 857 SUGAR HILL DR BALLWIN, MO 63021 | AMERICAN FIDELITY ASSURANCE COMPANY | $17 | — | $17 | 6.34% |
| TROWBRIDGE, RUSSCHELL D | 908 MAYWOOD DR JEFFERSON CITY, MO 65109 | AMERICAN FIDELITY ASSURANCE COMPANY | $2 | — | $2 | 0.75% |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 193 | $1.7M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY DENTAL | 193 | $80K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 193 | $1.7M |
| Life insurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 193 | $1.7M |
| Other | AMERICAN FIDELITY ASSURANCE COMPANY | 4 | $268 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.