| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON INC. | PO BOX 4207 SPRINGFIELD, MO 65808 | UNITED HEALTHCARE INSURANCE COMPANY | — | $27K | $27K | 1.08% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | PO BOX 4207 SPRINGFIELD, MO 65808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 6.46% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | PO BOX 4207 SPRINGFIELD, MO 65808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 6.04% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 3.02% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | PO BOX 4207 SPRINGFIELD, MO 65808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 6.02% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | PO BOX 4207 SPRINGFIELD, MO 65808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.91% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.01% |
| DIRECT BENEFITS INC3 Filed as: DIRECT | 12399 GRAVOIS RD ST LOUIS, MO 63127 | ADVANTICA INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MISSOURI EIN 43-0908349 | Contract Administrator; Claims processing Service code 12 | — | $19K |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 343 | $2.5M |
| Vision | ADVANTICA INSURANCE COMPANY | 347 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $208K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.