| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | 1637 S. ENTERPRISE SPRINGFIELD, MO 72205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 13.93% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 12.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSOS | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $971 | $6K | 24.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $912 | $7K | 29.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $910 | $4K | 19.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $690 | $3K | 19.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | 1637 SOUTH ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPAMY | $454 | $227 | $681 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $177K |
| BARKER PHILLIPS JACKSON EIN 43-0907174 BROKER | Other commissions Service code 55 | 1637 S. ENTERPRISE SPRINGFIELD, MO 65804 | $57K |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $0 |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 382 | $104K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 382 | $104K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 334 | $59K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 80 | $23K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 74 | $17K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INSURANCE CO | 229 | $148K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 211 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.