| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARKER PHILLIPS JACKSON INC3 | 1637 SOUTH ENTERPRISE AVENUE SPRINGFIELD, MO 65804 | AETNA LIFE INSURANCE COMPANY | $77K | $4 | $77K | 5.52% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65808 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.08% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65808 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.65% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| TGL ASSOCIATES LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $83 | $1K | 3.69% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 GS SPRINGFIELD, MO 65808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.04% |
| RALPH E ZIMMERMAN3 | 248 EAST MONASTERY STREET #237 SPRINGFIELD, MO 65810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $441 | $10 | $451 | 1.35% |
| LANA L WILHITE LLC3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $405 | $21 | $426 | 1.28% |
| DALE E WASHBURN3 | 133 POINT SEVEN ROAD KIMBERLING CITY, MO 65686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $13 | $190 | 0.57% |
| WILLIAM NEAL SCHUMAKER3 | PO BOX 989 NIXA, MO 65714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $1 | $186 | 0.56% |
| DEBORAH L MCCURTER3 | 3046 SOUTH DELAWARE SPRINGFIELD, MO 65804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.15% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 EAST LAKEWOOD STREET SPRINGFIELD, MO 65810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.07% |
| NAUGHT-NAUGHT AGENCY3 Filed as: NAUGHT NAUGHT AGENCY | 1441 CHRISTY DRIVE JEFFERSON CITY, MO 65102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.07% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.25% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON, INC. | 1637 SOUTH ENTERPRISE PO BOX 4207 SPRINGFIELD, MO 65804 | HEALTH AND HUMAN RESOURCE CENTER | $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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | 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 |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 301 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $88K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $24K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $34K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 129 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.