| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY COLEEN BERHORST3 | 599 BERHORST TRAIL WESTPHALIA, MO 65085 | AFLAC | $6K | $253 | $6K | 5.38% |
| JAY P HIGGINS3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $3K | $77 | $3K | 2.84% |
| WALL STREET FINANCIAL GRP3 Filed as: WALL STREET FIN GROUP INC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $2K | — | $2K | 1.78% |
| CHARLES D CHILES3 Filed as: CHARLES CHILES | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $1K | — | $1K | 1.04% |
| BRADLEY K HARRISON3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $896 | $56 | $952 | 0.85% |
| DEBRA KAY ALDRIDGE3 Filed as: DEBRA KAY SCHRIMPF | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $769 | — | $769 | 0.69% |
| WILLIAM A BENZ3 | 918 SOUTHWEST BLVD JEFFERSON CITY, MO 65109 | AFLAC | $535 | — | $535 | 0.48% |
| CRAIG LOWRANCE3 Filed as: CRAIG WINEGAR | 6013 COPPER RIDGE ST NIXA, MO 65714 | AFLAC | $399 | $133 | $532 | 0.48% |
| ASHTON CONSULTING INC3 | 2101 W BROADWAY SUITE 200 COLUMBIA, MO 65203 | AFLAC | $444 | $63 | $507 | 0.45% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $331 | — | $331 | 0.30% |
| BRYAN C SWYERS3 | 2429 HYDE PARK DR JEFFERSON CITY, MO 65109 | AFLAC | $291 | — | $291 | 0.26% |
| ALEXANDER I MIRO3 Filed as: ALEXANDER MIRO | 1120 S 6TH ST 110 SAINT LOUIS, MO 63104 | AFLAC | $281 | — | $281 | 0.25% |
| JOHN SCHAEFFERKOETTER3 | 6002 STERLING RIDGE RD JEFFERSON CITY, MO 65101 | AFLAC | $270 | — | $270 | 0.24% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $259 | — | $259 | 0.23% |
| KELLY THOMAS3 | 9800 OLD BASS ROAD EUGENE, MO 65032 | AFLAC | $255 | — | $255 | 0.23% |
| WADE L MASONER3 | 175 SPRING AVE HOLTS SUMMIT, MO 65043 | AFLAC | $179 | — | $179 | 0.16% |
| MARK R HIGGINS3 | 515 EAST HIGH STREET SUITE 200 JEFFERSON CITY, MO 65101 | AFLAC | $154 | — | $154 | 0.14% |
| PHILIP R BELLIN3 | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | AFLAC | $153 | — | $153 | 0.14% |
| RONNIE L STAGGS3 | 3327 COUNTRY VIEW CT JEFFERSON CITY, MO 65101 | AFLAC | $143 | — | $143 | 0.13% |
| BHW ASSOCIATES LLC3 | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | AFLAC | $134 | — | $134 | 0.12% |
| NATHAN JONES3 | 406 S STRADLING RD MUNCIE, IN 47304 | AFLAC | $131 | — | $131 | 0.12% |
| STEVEN R LOCHHEAD JR3 | 423 CASE AVENUE JEFFERSON CITY, MO 65101 | AFLAC | $121 | — | $121 | 0.11% |
| TIFFANY S RIEMANN3 | 457 MINNOWBROOK RD CAMDENTON, MO 65020 | AFLAC | $121 | — | $121 | 0.11% |
| SHANE M RIDENHOUR3 | 3115 GLENSTONE DR JEFFERSON CITY, MO 65109 | AFLAC | $105 | — | $105 | 0.09% |
| BRAD D ROARK3 | 211 MARSHALL JEFFERSON CITY, MO 65101 | AFLAC | $90 | — | $90 | 0.08% |
| JOSEPH P BLESSING3 | 910 R ST HANNIBAL, MO 63401 | AFLAC | $75 | — | $75 | 0.07% |
| FRANK HIGGINS3 Filed as: FRANK LEE HIGGINS | 3509 GETTYSBURG PL JEFFERSON CITY, MO 65109 | AFLAC | $71 | — | $71 | 0.06% |
| JASON B PECAUT3 Filed as: JASON RALSTON | 520 DIX RD STE B JEFFERSON CITY, MO 65109 | AFLAC | $63 | — | $63 | 0.06% |
| LEROY WILBERS JR3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $38 | — | $38 | 0.03% |
| LISA A CAMPBELL3 | 3701 CHRISTIAN RIDGE JEFFERSON CITY, MO 65101 | AFLAC | $37 | — | $37 | 0.03% |
| NATHAN L HARRISON3 | 16024 MANCHESTER RD 2ND FLOOR SUITE 200 ELLISVILLE, MO 63011 | AFLAC | $28 | — | $28 | 0.03% |
| BRIAN J ROONEY3 | 112 N 7TH ST OWENSVILLE, MO 65066 | AFLAC | $22 | — | $22 | 0.02% |
| HH ASSOCIATES LLC3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $21 | — | $21 | 0.02% |
| SHANNON S SMITH3 | 5855 ROYAL CLUB SAN ANTONIO, TX 78239 | AFLAC | $21 | — | $21 | 0.02% |
| JON HARTMAN3 | 1400 FORUM BLVD STE 9 COLUMBIA, MO 65203 | AFLAC | $20 | — | $20 | 0.02% |
| SHANNON M BRENNEKE3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $17 | — | $17 | 0.02% |
| MO FARM BUREAU INS BROKERAGE INC3 | 701 S COUNTRY CLUB DR JEFFERSON CITY, MO 65102 | AFLAC | $13 | — | $13 | 0.01% |
| DANIEL L BATES3 | 918 E MAIN ST PARK HILLS, MO 63601 | AFLAC | $12 | — | $12 | 0.01% |
| BYRON ALLEN BRAY3 | 3214 18TH AVE BEAVER FALLS, PA 15010 | AFLAC | $12 | — | $12 | 0.01% |
| DAVID D CLIBURN3 | 211 MARSHALL ST JEFFERSON CITY, MO 65101 | AFLAC | $8 | — | $8 | 0.01% |
| DOUGLAS L SMITH3 | 1221 JEFFERSON STREET JEFFERSON CITY, MO 65109 | AFLAC | $8 | — | $8 | 0.01% |
| JOHN D TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $6 | — | $6 | 0.01% |
| GARY GIARRATANO3 Filed as: GARY GIARRATONO | 13309 W 73RD ST SHAWNEE, KS 66216 | AFLAC | $3 | — | $3 | 0.00% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 185 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.