| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC. | P.O. BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 5.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 2.00% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 0.59% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | 2209 GODWIN AVENUE SE GRAND RAPIDS, MI 49507 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH | $6K | — | $6K | 1.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, LLC | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH | $3K | — | $3K | 0.48% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK INC. | 2122 KRATKY ROAD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $1.0M |
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 | 750 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 485 | $111K |
| Life insurance | STANDARD INSURANCE COMPANY | 750 | $606K |
| Long-term disability | STANDARD INSURANCE COMPANY | 750 | $606K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH | 720 | $585K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 33 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.