| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC. | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | HEALTH CARE SERVICE CORPORATION | $37K | $29K | $66K | 0.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $43K | — | $43K | 3.31% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFIT | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $12K | $12K | 0.91% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $38K | — | $38K | 4.52% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFIT | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 0.93% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $37K | — | $37K | 8.09% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFIT | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 1.85% |
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 | 3,130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 327 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 4,741 | $24.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,372 | $1.2M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,130 | $1.3M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,517 | $453K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,384 | $832K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 4,741 | $24.9M |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION | 4,741 | $24.9M |
| Other | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,130 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,741 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.