| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHSMART BENEFIT SOLUTIONS3 Filed as: HEALTHSMART HOLDINGS INC | 222 WEST LAS COLINAS SUITE 600N IRVING, TX 75039 | UNIMERICA INSURANCE COMPANY | $12K | — | $12K | 3.69% |
| HEALTHSMART BENEFIT SOLUTIONS3 Filed as: HEALTHSMART | 10010 SAN PEDRO AVENUE SUITE 200 SAN ANTONIO, TX 78216 | UNIMERICA INSURANCE COMPANY | $986 | — | $986 | 0.31% |
| BARKER PHILLIPS JACKSON INC3 | P O BOX 4207 SPRINGFIELD, MO 65808 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $5K | $15K | 13.72% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON I | PO BOX 4207 SPRINGFIELD, MO 65808 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON I | PO BOX 4207 SPRINGFIELD, MO 65804 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON I | PO BOX 4207 SPRINGFIELD, MO 65808 | LIFE INSURANCE COMPANY OF NORTH AMERCIA | $2K | — | $2K | 15.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON I | PO BOX 4207 SPRINGFIELD, MO 65808 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 12.00% |
| OLLIS & COMPANY INC3 | 2274 EAST SUNSHINE SPRINGFIELD, MO 65804 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 2.85% |
| WIGGINS, DAVID, WILLIAM3 Filed as: WIGGINS DAVID WILLIAM | 8900 STATE LINE ROAD SUITE 350 LEAWOD, KS 66206 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 2.85% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $98 | $98 | 2.12% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65808 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.82% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $247 | — | $247 | 10.02% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON I | PO BOX 4207 SPRINGFIELD, MO 65808 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $214 | — | $214 | 12.00% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 465 | $111K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 465 | $111K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 59 | $10K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERCIA | 158 | $14K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 151 | $314K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.