| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN, LLC | 1125 EAST LAKEWOOD STREET SPRINGFIELD, MO 65810 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $6K | $17K | 6.18% |
| BARKER PHILLIPS JACKSON INC3 | 1637 SOUTH ENTERPRISE AVENUE SPRINGFIELD, MO 65804 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 5.03% |
| UNITED BENEFIT ADVISORS LLC3 | 1 PIERCE PLACE SUITE 400 E ITASCA, IL 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.03% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN L | 1125 EAST LAKEWOOD SPRINGFIELD, MO 65810 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.86% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BAKER PHILLIPS JACKSON INCORPORATED | PO BOX 4207 SPRINGFIELD, MO 65808 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.58% |
| DAVID MURPHY3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.01% |
| BARKER PHILLIPS JACKSON INC3 | 1637 SOUTH ENTERPRISE AVENUE SPRINGFIELD, MO 65804 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 11.54% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN,LLC | 1125 EAST LAKEWOOD STREET SPRINGFIELD, MO 65810 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 7.52% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $75K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $75K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $41K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $41K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $271K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.