| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COX HEALTH SYSTEMS INSURANCE CO3 Filed as: COX HEALTH SYSTEMS INSURANCE COMPAN | PO BOX 5750 SPRINGFIELD, MO 65801 | COX HEALTH SYSTEMS INSURANCE COMPANY | $97K | — | $97K | 7.50% |
| OLLIS AND COMPANY3 | 2274 EAST SUNSHINE SPRINGFIELD, MO 65804 | COX HEALTH SYSTEMS INSURANCE COMPANY | $29K | — | $29K | 2.20% |
| OLLIS & COMPANY INC3 Filed as: OLLIS AND COMPANY DBA OLLIS/AK | 2274 EAST SUNSHINE STREET SPRINGFIELD, MO 65804 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $5K | 8.93% |
| OLLIS & COMPANY INC3 | 2274 EAST SUNSHINE SPRINGFIELD, MO 65804 | UNIUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.76% |
| OLLIS & COMPANY INC3 | 2274 EAST SUNSHINE SPRINGFIELD, MO 65804 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.95% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COX HEALTH SYSTEMS INSURANCE COMPANY | 193 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $59K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $59K |
| Life insurance(2 contracts, 2 carriers) | UNIUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $37K |
| Long-term disability | UNIUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $19K |
| Other(2 contracts, 2 carriers) | UNIUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $37K |
| 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."
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.