| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 EAST LAKEWOOD STREET SPRINGFIELD, MO 65810 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $29K | $29K | 2.05% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN INC | 1125 EAST LAKEWOOD STREET SPRINGFIELD, MO 65810 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 7.12% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 1258 ROLLA, MO 65402 | METROPOLITAN LIFE INSURANCE COMPANY | $985 | — | $985 | 1.22% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN | 1125 EAST LAKEWOOD SPRINGFIELD, MO 65810 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.04% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.96% |
| TGL ASSOCIATES LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $49 | $1K | 4.21% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN | 1125 EAST LAKEWOOD STREET SPRINGFIELD, MO 65810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.06% |
| LANA L WILHITE LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $433 | $18 | $451 | 1.57% |
| WILLIAM NEAL SCHUMAKER3 | 216 WEST HUNTER DRIVE NIXA, MO 65714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $357 | $12 | $369 | 1.28% |
| DALE E WASHBURN3 | 133 POINT SEVEN ROAD KIMBERLING CITY, MO 65686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | $48 | $318 | 1.11% |
| RALPH E ZIMMERMAN3 | 2051 EAST NORSHIRE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $266 | $4 | $270 | 0.94% |
| DEBORAH L MCCURTER3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.21% |
| NAUGHT-NAUGHT AGENCY3 Filed as: NAUGHT NAUGHT AGENCY | 1441 CHRISTY DRIVE JEFFERSON CITY, MO 65102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN | 1125 EAST LAKEWOOD SPRINGFIELD, MO 65810 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.04% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $735 | — | $735 | 4.96% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN | 1125 EAST LAKEWOOD SPRINGFIELD, MO 65810 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $695 | — | $695 | 7.76% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $409 | — | $409 | 4.56% |
| DEBRA WEHNER & JANICE JOHNSON3 | 1637 SOUTH ENTERPRISE SPRINGFIELD, MO 65810 | HEALTH AND HUMAN RESOURCE CENT | $2 | — | $2 | 12.50% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $80K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $24K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $33K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 137 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.