| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIGMATICO LLC3 | 2401 FOUNTAIN VIEW DRIVE SUITE 464 HOUSTON, TX 77057 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | — | $41K | 10.10% |
| UMR, INC.3 | 115 WEST WAUSAU AVENUE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 1.12% |
| BARKER PHILLIPS JACKSON INC3 | 1637 SOUTH ENTERPRISE AVENUE SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.64% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $622 | $622 | 0.94% |
| BARKER PHILLIPS JACKSON INC3 | 1637 SOUTH ENTERPRISE AVENUE SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 25.55% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.77% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65808 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 20.00% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65808 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.05% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | METROPOLITAN LIFE INSURANCE COMPANY | $655 | $235 | $890 | 6.83% |
| BARKER PHILLIPS JACKSON INC3 | 1637 SOUTH ENTERPRISE AVENUE SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $574 | $2K | 20.45% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $287 | $287 | 2.73% |
| BARKER PHILLIPS JACKSON INC3 | 1637 SOUTH ENTERPRISE AVENUE SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $336 | $2K | 25.59% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $168 | $168 | 2.79% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $79K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 171 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $11K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $402K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.