| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $338K | $0 | $338K | 17.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | $0 | $40K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | P.O. BOX 441 DES MOINES, IA 50302 | DEARBORN LIFE INSURANCE COMPANY | $69K | $0 | $69K | 15.02% |
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 | 3,770 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DEARBORN LIFE INSURANCE COMPANY | 3,590 | $463K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,452 | $2.0M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,452 | $2.0M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,452 | $2.0M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,452 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,590 | — |
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.