| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARKER PHILLIPS JACKSON INC3 | PO BOX 1258 ROLLA, MO 65402 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $96K | — | $96K | 2.94% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65808 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $20 | $17K | 9.14% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 4.56% |
| BARKER PHILLIPS JACKSON INC3 | PO BOX 4207 SPRINGFIELD, MO 65808 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.59% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.46% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON I | PO BOX 4207 SPRINGFIELD, MO 65808 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $769 | $769 | 2.00% |
| BARKER PHILLIPS JACKSON INC3 | 1637 SOUTH ENTERPRISE SPRINGFIELD, MO 65804 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON I | PO BOX 4207 SPRINGFIELD, MO 65808 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $551 | $551 | 2.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON I | PO BOX 4207 SPRINGFIELD, MO 65808 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $317 | $317 | 2.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON I | PO BOX 4207 SPRINGFIELD, MO 65808 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $239 | $239 | 2.00% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON I | PO BOX 4207 SPRINGFIELD, MO 65808 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $318 | — | $318 | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $64 | $64 | 2.01% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON I | PO BOX 4207 SPRINGFIELD, MO 65808 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $124 | — | $124 | 10.02% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $25 | $25 | 2.02% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 249 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 945 | $189K |
| Vision(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 249 | $3.3M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 249 | $54K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 249 | $39K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 249 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 945 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.