| 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 | — | — | $0 | 0.00% |
| INNOVARE HEALTH PLAN GROUP, INC3 Filed as: INNOVARE HEALTH PLAN GROUP | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.07% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $2K | $4K | 4.88% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.65% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $645 | — | $645 | 0.84% |
| INNOVARA HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 11.07% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $849 | $2K | 6.79% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $449 | $449 | 1.51% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $242 | — | $242 | 0.82% |
| INNOVARE HEALTH PLAN GROUP, INC3 Filed as: INNOVARE HEALTH PLAN GROUP | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 11.22% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $773 | $655 | $1K | 6.98% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN RD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $374 | $374 | 1.83% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $168 | — | $168 | 0.82% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 18.87% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $692 | $2K | 9.84% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $424 | $424 | 2.27% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $157 | — | $157 | 0.84% |
| INNOVARE HEALTH PLAN GROUP, INC3 Filed as: INNOVARE HEALTH PLAN GROUP | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 14.49% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSOS | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $879 | $630 | $2K | 9.46% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $378 | $378 | 2.37% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $123 | — | $123 | 0.77% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPAMY | $429 | $214 | $643 | 9.01% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPAMY | $142 | $214 | $356 | 4.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPAMY | $57 | — | $57 | 0.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $173K |
| INNOVARE HEALTH PLAN GROUP, INC EIN 87-4386583 BROKER | Other commissions Service code 55 | 2124 W CHESTERFIELD BLVD SPRINGFIELD, MO 65807 | $41K |
| BARKER PHILLIPS JACKSON EIN 43-0907174 BROKER | Other commissions Service code 55 | 1637 S. ENTERPRISE SPRINGFIELD, MO 65804 | $14K |
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 | 462 | 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) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 462 | $120K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 462 | $120K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 278 | $77K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 70 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 43 | $20K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INSURANCE CO | 239 | $331K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.