| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | 1637 SOUTH ENTERPRISE SPRINGFIELD MISSOURI, MO 65804 | BERKLEY | $44K | — | $44K | 13.73% |
| BPJ EMPLOYEE BENEFIT DIVISION3 | 1125 E LAKEWOOD ST SPRINGFIELD, MO 65810 | BERKLEY | $4K | — | $4K | 1.27% |
| SOUTHWEST AGENCY INC3 | 345 S MAIN ST PO BOX 735 CARTHAGE, MO 648360735 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 13.10% |
| CRAIG LOWRANCE3 | PO BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.35% |
| GIG OF MISSOURI INC3 | 2901 ARIZONA AVENUE PO BOX 940 JOPLIN, MO 648020940 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.01% |
| ONE SOURCE EMPLOYEE BENEFITS3 | PO BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA LIFE INSURANCE COMPANY | $608 | — | $608 | 2.04% |
| MICHAEL C CHAPMAN3 Filed as: MICHAEL CHAPMAN | 2150 PORTWOOD WAY FORT WORTH, TX 76179 | TRANSAMERICA LIFE INSURANCE COMPANY | $113 | — | $113 | 0.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC. EIN 33-0441200 PHARM. BENEFIT MANAGEMENT | Other fees; Float revenue; Claims processing; Direct payment from the plan Service code 12 | 6800 W 115TH ST OVERLAND PARK, KS 66211 | $333K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 11 SCOTT STREET WAUSAU, WI 54403 | $84K |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY | 153 | $318K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 477 | $113K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 477 | $83K |
| Prescription drug | BERKLEY | 153 | $318K |
| Stop-loss / reinsurancereinsurance | BERKLEY | 153 | $318K |
| Other(2 contracts, 2 carriers) | BERKLEY | 294 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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.