| 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 | $155K | $0 | $155K | 12.80% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 658084207 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $6K | $23K | 6.24% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65808 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 16.61% |
| 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 Filed as: BARKER PHILLIPS JACKSON INC. | PO BOX 4207 SPRINGFIELD, MO 65808 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 14.78% |
| BARKER PHILLIPS JACKSON INC3 | 1637 SO 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 | 516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 906 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,551 | $374K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 541 | $49K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 706 | $170K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $150K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,551 | — |
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.