| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $63K | $21K | $84K | 2.50% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED CONCORDIA INSURANCE COMPANY | $10K | — | $10K | 7.96% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| PAYCOR INC3 | PO BOX 639860 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $782 | $2K | $3K | 3.21% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $127 | $127 | 0.16% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 11.16% |
| PAYCOR INC3 | PO BOX 639860 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 4.04% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $613 | $1K | $2K | 3.10% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $130 | $130 | 0.21% |
| HOLMES MURPHY & ASSOCIATES3 | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 19.21% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $206 | $943 | $1K | 5.46% |
| PAYCOR INC3 | PO BOX 639860 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | — | $797 | $797 | 3.79% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $79 | $79 | 0.38% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 364 | $3.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 280 | $131K |
| Vision | VISION BENEFITS OF AMERICA | 119 | $21K |
| Life insurance | STANDARD INSURANCE COMPANY | 203 | $61K |
| Long-term disability | STANDARD INSURANCE COMPANY | 203 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.