| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | PO BOX 4207 SPRINGFIELD, MO 658084207 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 8.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | PO BOX 4207 SPRINGFIELD, MO 658084207 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.50% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65808 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $995 | $2K | 6.55% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $835 | — | $835 | 2.48% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILIPS JACKSON, INC | PO BOX 4207 SPRINGFIELD, MO 65808 | HARTFORD LIFE AND ACCIDENT | $130 | — | $130 | 0.50% |
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 | 1,853 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,947 | $9.2M |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,766 | $330K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,223 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,947 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.