| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | SECURIAN LIFE INSURANCE COMPANY | $72K | $16K | $87K | 9.83% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, ID 50302 | SECURIAN LIFE INSURANCE COMPANY | $22K | — | $22K | 2.44% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 4.26% |
| HOLMES MURPHY & ASSOCIATES3 | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 0.74% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753204640 | VISION SERVICE PLAN | $3K | — | $3K | 1.43% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 503020441 | VISION SERVICE PLAN | $2K | — | $2K | 0.66% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | SECURIAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 9.36% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | SECURIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.37% |
| VARIOUS - SEE ATTACHED3 | — | HYATT LEGAL PLANS | $7K | $2K | $9K | 14.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 701 MARKET STREET, SUITE 1100 ST LOUIS, MH 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 701 MARKET STREET, SUITE 1100 ST LOUIS, MI 63101 | STATE OF PENN | $2K | — | $2K | 15.00% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 75320 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $37 | — | $37 | 1.80% |
| HOLMES MURPHY & ASSOCIATES3 | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4 | — | $4 | 0.20% |
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 | 1,345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 971 | $229K |
| Life insurance(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 1,697 | $1.1M |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 10 | $2K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,345 | $459K |
| Other(3 contracts, 3 carriers) | HYATT LEGAL PLANS | 1,345 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,697 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.