| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF INDIANA LLC | 10 EAST MAIN STREET SUITE 400 CARMEL, IN 46032 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | — | $27K | 8.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.93% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 120 NORTH FULTON AVENUE SUITE A EVANSVILLE, IN 47710 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.88% |
| LANDWEHR INSURANCE SERVICES INC3 Filed as: LANDWEHR INSURANCE SERVICES | PO BOX 1046 JEFFERSON CITY, MO 65102 | PRINCIPAL LIFE INSURANCE COMPANY | -$9 | — | -$9 | -0.00% |
| CHARLES D CHILES3 | 100 MONTEREY DRIVE JEFFERSON CITY, MO 65109 | AFLAC | $999 | — | $999 | 4.25% |
| JAY P HIGGINS3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $533 | $10 | $543 | 2.31% |
| JENNIFER LEIGH WEAVER3 | 3815 BENNINGTON LANE JEFFERSON CITY, MO 65109 | AFLAC | $385 | — | $385 | 1.64% |
| TY D MAYBERRY3 | 1717 MORRE ROAD OWENSVILLE, MO 65066 | AFLAC | $127 | — | $127 | 0.54% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $94 | — | $94 | 0.40% |
| CHRISTIE LANDWEHR3 | 4104 NORTH GRASSLAND DRIVE OZARK, MO 65721 | AFLAC | $46 | $46 | $92 | 0.39% |
| SS ONE LLC3 | 7020 TAYLOR CREEK ROAD JEFFERSON CITY, MO 65101 | AFLAC | $67 | — | $67 | 0.29% |
| BRADLEY K HARRISON3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $33 | $11 | $44 | 0.19% |
| JOHN SCHAEFFERKOETTER3 | PO BOX 69 OWENSVILLE, MO 65066 | AFLAC | $36 | — | $36 | 0.15% |
| ROBIN M CALLAWAY3 | 10201 WEST MARKHAM STREET SUITE 203 LITTLE ROCK, AR 72205 | AFLAC | $12 | — | $12 | 0.05% |
| BRIAN D NEUNER3 | 7651 EAST HIGHWAY WW COLUMBIA, MO 65201 | AFLAC | $6 | — | $6 | 0.03% |
| DANIEL M MCALONE3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | AFLAC | $5 | — | $5 | 0.02% |
| JOHN SCHAEFFERKOETTER3 | 6002 STERLING RIDGE ROAD JEFFERSON CITY, MO 65101 | AFLAC | $3 | — | $3 | 0.01% |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 352 | $341K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 352 | $341K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 352 | $341K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 352 | $341K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 352 | $341K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 352 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.