| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 441 DES MOINES, IA 50302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $123K | $49K | $171K | 3.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $5K | — | $5K | 20.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | P.O. BOX 441 DES MOINES, IA 50302 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $514 | — | $514 | 9.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIM PROCESSOR | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other services Service code 12 | — | $3.8M |
| LINCOLN NATIONAL LIFE INS. CO. EIN 35-0472300 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $357K |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $231K |
| HOLMES, MURPHY & ASSOCIATES BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 3333 LEE PARKWAY SUITE 5900 DALLAS, TX 75219 | $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 | 7,660 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,762 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA INTERNATIONAL | 13 | $288K |
| Dental | AETNA INTERNATIONAL | 13 | $193K |
| Vision | AETNA INTERNATIONAL | 13 | $193K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,660 | $4.4M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,660 | $4.4M |
| Prescription drug | AETNA INTERNATIONAL | 13 | $193K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 13,850 | $3.0M |
| Other(3 contracts, 3 carriers) | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | 7,660 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,850 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.