| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 9.90% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC. | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $546 | $546 | 0.38% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $895 | $8K | 11.27% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $140 | $140 | 0.20% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $809 | $6K | 11.71% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $97 | $97 | 0.21% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $535 | $5K | 11.31% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $80 | $80 | 0.20% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 503069207 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.93% |
| HOLMES MURPHY & ASSOCIATES3 | ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $224 | — | $224 | 0.93% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $192 | $2K | 11.37% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $30 | $30 | 0.21% |
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 | 555 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 283 | $145K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 489 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 634 | $71K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 96 | $47K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 634 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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.