| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | 201 1ST ST SE, STE 700 CEDAR RAPIDS, IA 52401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61K | $17K | $78K | 12.76% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PKWY, STE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $655 | $0 | $655 | 0.11% |
| MOUZON BASS3 | 6138 MEADOW RD DALLAS, TX 75230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$51 | $0 | -$51 | -0.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BO 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $0 | $19K | 14.96% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, STE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BO 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.96% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, STE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $432 | $0 | $432 | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.96% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, STE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $299 | $0 | $299 | 2.04% |
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 | 946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 951 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 761 | $611K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 761 | $611K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 814 | $754K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 814 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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.