| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAUGHT-NAUGHT AGENCY3 | 3928 SOUTH PROVIDENCE ROAD COLUMBIA, MO 65203 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | $17K | $0 | $17K | 11.99% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 1736 E SUNSHINE ST STE 200 SPRINGFIELD, MO 65804 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | $7K | $0 | $7K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP BENEFIT SERVICES EIN 20-8024130 BROKER | Recordkeeping fees; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Account maintenance fees; Claims processing; Insurance brokerage commissions and fees Service code 12 | 1736 E SUNSHINE ST STE 200 SPRINGFIELD, MO 65804 | $39K |
| NAUGHT-NAUGHT AGENCY EIN 43-0996241 BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 3928 SOUTH PROVIDENCE ROAD COLUMBIA, MO 65203 | $17K |
| HEALTHLINK OPEN ACCESS II EIN 43-1364135 PPO NETWORK | Direct payment from the plan; Other services Service code 49 | 1000 WEST NIFONG BUILDING 3 SUITE 200 COLUMBIA, MO 65203 | $8K |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 127 | $145K |
| Dental | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 127 | $145K |
| Vision | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 127 | $145K |
| Prescription drug | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 127 | $145K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 127 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.