| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $77K | — | $77K | 2.80% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $20K | — | $20K | 2.80% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $4K | — | $4K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE PROVIDER | Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $884K |
| HOLMES MURPHY AND ASSOCIATES LLC EIN 31-1440175 BROKER | Insurance agents and brokers; Other commissions Service code 22 | — | $0 |
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 | 7,968 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,968 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INTERNATIONAL | 16 | $180K |
| Dental | AETNA INTERNATIONAL | 16 | $180K |
| Vision | AETNA INTERNATIONAL | 16 | $180K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,568 | $2.9M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,775 | $713K |
| Prescription drug | AETNA INTERNATIONAL | 16 | $180K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 6,426 | $2.7M |
| Other(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 12,925 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,925 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.