| 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 | $9K | $9K | 2.60% |
| PRECISE BENEFIT SERVICE LLC3 | 501 S TOWANDA BARNES RD #3 BLOOMINGTON, IL 617054047 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.50% |
| ROGERS BENEFIT GROUP INC3 | 7310 N 16TH ST #226 PHOENIX, AZ 85020 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 502638844 | PRINCIPAL LIFE INSURANCE COMPANY | $687 | $0 | $687 | 0.22% |
| PRECISE BENEFIT SERVICE LLC3 | 501 S TOWANDA BARNES RD #3 BLOOMINGTON, IL 61705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 6.03% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY | 1828 WALNUT STREET #801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.90% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $124 | $222 | $346 | 0.21% |
| FALCO WATSON, NICOLE DOROTHEA3 | 501 S TOWANDA BARNES RD #3 BLOOMINGTON, IL 61705 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 9.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $649 | $0 | $649 | 1.33% |
| HIGGINBOTHAM INS AGENCY INC3 | PO BOX 908 FORT WORTH, TX 761010908 | SUN LIFE ASSURANCE COMPANY OF CANADA | $428 | $0 | $428 | 0.88% |
| PRECISE BENEFIT SERVICE LLC3 | 501 S TOWANDA BARNES RD #3 BLOOMINGTON, IL 61705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 9.47% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY | 1828 WALNUT ST #801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $972 | $0 | $972 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $257 | $103 | $360 | 0.74% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 968 | $347K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 838 | $307K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 277 | $49K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 377 | $217K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 377 | $168K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 377 | $168K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 377 | $217K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.