| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARKER PHILLIPS JACKSON INC3 | 1637 S ENTERPRISE AVE SPRINGFIELD, MO 65804 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 9.99% |
| UMR, INC.3 | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.66% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BAKER PHILLIPS JACKSON INC | PO BOX 4207 SPRINGFIELD, MO 65808 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.56% |
| EDWARD DALE MERACLE3 | 1716 HIDDEN CREEK CT SAINT LOUIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31 | — | $31 | 0.03% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | PO BOX 4207 SPRINGFIELD, MO 65808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | 1637 S ENTERPRISE AVE SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.24% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.63% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | PO BOX 4207 SPRINGFIELD, MA 65808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | 1637 S ENTERPRISE AVE SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $309 | $309 | 3.32% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $265 | $265 | 2.85% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | PO BOX 4207 SPRINGFIELD, MO 65808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 19.99% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | 1637 S ENTERPRISE AVE SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $212 | $212 | 3.40% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $182 | $182 | 2.92% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $110K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $110K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $9K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 96 | $268K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.