| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARKER PHILLIPS JACKSON INC3 | 1637 SOUTH ENTERPRISE AVENUE SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | 1637 SOUTH ENTERPRISE AVENUE SPRINGFIELD, MO 65808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 23.71% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.18% |
| 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 | $2K | $1K | $3K | 23.31% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $618 | — | $618 | 4.61% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | 1637 SOUTH ENTERPRISE AVENUE SPRINGFIELD, MO 65808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $367 | $2K | 18.51% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $314 | $314 | 3.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER-PHILLIPS-JACKSON INC | 1637 SOUTH ENTERPRISE AVENUE SPRINGFIELD, MO 65804 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $213 | $1K | 23.48% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $183 | $183 | 3.00% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | 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(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $78K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $10K |
| Stop-loss / reinsurancereinsurance | SIGMATICO-SYMETRA | 95 | $410K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.