| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY SUITE 100 WAUKEE, IA 50263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $48K | $60K | 3.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $11K | $15K | 0.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY SUITE 100 WAUKEE, IA 50263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 0.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 9.16% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.83% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY SUITE 100 WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $774 | — | $774 | 1.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.13% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $851 | — | $851 | 1.83% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $837 | $837 | 1.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $485 | — | $485 | 1.04% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.11% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY SUITE 100 WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $803 | — | $803 | 1.82% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY SUITE 100 WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $713 | $713 | 1.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $468 | — | $468 | 1.06% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | — | $2K | 9.13% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY SUITE 100 WAUKEE, IA 50263 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $907 | — | $907 | 9.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1900 WEST LOOP SOUTH SUITE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $171 | — | $171 | 1.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $170 | — | $170 | 1.74% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $368 | — | $368 | 9.12% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $74 | — | $74 | 1.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43 | — | $43 | 1.07% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $15 | $15 | 0.37% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 297 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 297 | $2.0M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 347 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 405 | $76K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $47K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $44K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 297 | $2.0M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 236 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.