| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHSMART BENEFIT SOLUTIONS3 Filed as: HEALTHSMART | 10010 SAN PEDRO AVENUE SUITE 200 SAN ANTONIO, TX 78216 | UNIMERICA INSURANCE COMPANY | $7K | — | $7K | 3.68% |
| BARKER PHILLIPS JACKSON INC3 | P.O. BOX 4207 SPRINGFIELD, MO 65803 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.42% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 EAST LAKEWOOD SPRINGFIELD, MO 65810 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $82 | $6K | 4.68% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN, LLC | 1125 EAST LAKEWOOD SPRINGFIELD, ME 65810 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.97% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIP JACKSON | 1637 SOUTH ENTERPRISE SPRINGFIELD, MO 65803 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $202 | — | $202 | 1.63% |
| OLLIS & COMPANY INC3 | 2274 EAST SUNSHINE SPRINGFIELD, MO 65804 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $207 | — | $207 | 4.24% |
| WIGGINS, DAVID, WILLIAM3 | 8900 STATE LINE ROAD SUITE 350 LEAWOOD, KS 66206 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 3.44% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $129K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 56 | $12K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $129K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $129K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $129K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 120 | $202K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
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.