| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAUGHT-NAUGHT AGENCY3 | 1441 CHRISTY DRIVE JEFFERSON CITY, MO 65101 | GERBER LIFE INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 1736 E SUNSHINE SUITE 200 SPRINGFIELD, MO 65804 | GERBER LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP BENEFIT SERVICES EIN 43-1770779 THIRD PARTY ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $58K |
| PHCS/MULTIPLAN EIN 13-3068979 PPO NETWORK | Other fees Service code 99 | — | $24K |
| HEALTHLINK OPEN ACCESS II EIN 43-1364135 PPO NETWORK | Other fees Service code 99 | — | $11K |
| MANAGED CARE CONCEPTS EIN 86-0799129 MEDICAL REVIEW | Other fees Service code 99 | — | $8K |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE INSURANCE COMPANY | 243 | $220K |
| Prescription drug | GERBER LIFE INSURANCE COMPANY | 243 | $220K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 243 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
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.