| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 1.73% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST, STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 0.42% |
| MERITAIN HEALTH3 Filed as: MERITAIN HEALTH INC | 300 CORPORATE PKWY AMHERST, NY 14226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.27% |
| INSURANCE OFFICE OF AMERICA3 | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 1.67% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP, INC | 200 E SOUTHAMPTON DR COLUMBIA, MO 65203 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 0.67% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 32716 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 7.29% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 SOUTHAMPTON DR COLUMBIA, MO 65203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 1.10% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | PO BOX 162207 ALTAMONTE SPRINGS, FL 327162207 | NATIONAL UNION FIRE INSURANCE | $11K | $6K | $17K | 13.12% |
| THE INSURANCE GROUP3 Filed as: INSURANCE GROUP, INC | 200 SOUTHAMPTON DR COLUMBIA, MO 65203 | NATIONAL UNION FIRE INSURANCE | $2K | — | $2K | 1.38% |
| FRANK HIGGINS3 Filed as: FRANK L HIGGINS | 3509 GETTYSBURG PLACE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.71% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 E SOUTHAMPTON DR COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.34% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 32750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.13% |
| THE INSURANCE GROUP3 Filed as: THE INSURANCE GROUP INC | 200 E SOUTHAMPTON DR COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $855 | — | $855 | 2.43% |
| CHRISTOPHER M ASHTON3 | 3606 RIDGEVIEW DRIVE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $720 | — | $720 | 2.05% |
| AARON C EVERLY3 | 2101 W BROADWAY STE 200 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $687 | — | $687 | 1.95% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $620 | — | $620 | 1.76% |
| ALEXANDER I MIRO3 | 3406 KEENES EDGE COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $545 | — | $545 | 1.55% |
| BOR HOUSE ACCOUNT3 Filed as: BOR HOUSE | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $450 | — | $450 | 1.28% |
| JAMI GONZALEZ3 Filed as: JAMI T GONZALEZ | 1207 E EL CAMINO DR PHOENIX, AZ 85020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $443 | — | $443 | 1.26% |
| BAYLEY STULTS3 | 2101 CORONA RD STE 201 COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | — | $198 | 0.56% |
| JEFFREY M SATTERLEE3 | 6565 AMERICA'S PKWY NE STE 115 ALBUQUERQUE, NM 87110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.38% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DRIVE COLUMBIA, MO 65203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | — | $106 | 0.30% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.17% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.16% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE CT WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.04% |
| JEFFREY M SATTERLEE3 | 6565 AMERICA'S PKWAY NE STE 115 ALBUQUERQUE, NM 87110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| CHRISTIE S LANDWEHR3 | 210 PRODO DR JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHN A BACON3 | 1267 LEIGHTON HOLLOW DRIVEW DARDENNE PRAIRIE, MO 63368 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 NONE | Claims processing; Other commissions Service code 12 | — | $411K |
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 | 863 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 16 | $97K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 826 | $758K |
| Vision | UNION SECURITY INSURANCE COMPANY | 826 | $661K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,083 | $342K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,083 | $342K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,083 | $342K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 16 | $97K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 892 | $1.2M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,083 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,083 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.