| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRECISE BENEFIT SERVICE LLC3 | 501A S TOWANDA BARNES RD #3 BLOOMINGTON, IL 617054031 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $27K | $27K | 1.94% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 12712 PARK CENTRAL DR #100 DALLAS, TX 752511527 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $18K | $18K | 1.31% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 502638844 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.43% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 17.93% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY | 1828 WALNUT ST #801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.30% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $976 | $0 | $976 | 7.69% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $433 | $2K | 14.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY | 1828 WALNUT ST #801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $217 | $0 | $217 | 2.00% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 968 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 740 | $98K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 286 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 334 | $67K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 334 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 334 | $56K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 334 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 968 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.