| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $720 | $720 | 0.05% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.06% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | 11740 SOUTHWEST 68TH PARKWAY, SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47 | — | $47 | 0.10% |
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 | 87 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 198 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 213 | $96K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $16K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $45K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $45K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $45K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.