| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON | 1637 S ENTERPRISE AVE PO BOX 4207 SPRINGFIELD, MO 65808 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $149K | $0 | $149K | 14.17% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 EAST LAKEWOOD SPRINGFIELD, MO 65810 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$1K | $0 | -$1K | -0.10% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65808 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 15.86% |
| BARKER PHILLIPS JACKSON INC3 | 1637 S ENTERPRISE AVE PO BOX 4207 SPRINGFIELD, MO 65808 | MINNESOTA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.00% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65808 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $12K | $15K | 29.89% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65808 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.96% |
| NATIONAL BENEFIT CENTER3 | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40 | $0 | $40 | 0.08% |
| BARKER PHILLIPS JACKSON INC3 | 1637 S ENTERPRISE AVE PO BOX 4207 SPRINGFIELD, MO 65808 | MINNESOTA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
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 | 504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,033 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,526 | $49K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $48K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 718 | $166K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 196 | $154K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 196 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,526 | — |
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.