| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $30 | $23K | 9.30% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $43 | $43 | 0.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | — | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $28K | $28K | 17.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 11.74% |
| PAYCOR INC3 | PO BOX 639860 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.04% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC | PO BOX 211486 COLUMBIA, SC 29221 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 17.86% |
| PAYCOR INC3 | PO BOX 639860 PO BOX 639860 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $0 | $875 | $875 | 2.01% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | STANDARD INSURANCE COMPANY | $0 | $687 | $687 | 1.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 33.87% |
| PAYCOR INC3 | PO BOX 639860 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $0 | $454 | $454 | 1.52% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY.INC. | PO BOX 211486 COLUMBIA, SC 29221 | STANDARD INSURANCE COMPANY | $0 | $368 | $368 | 1.23% |
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 | 467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 718 | $164K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 488 | $252K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 488 | $252K |
| Life insurance | STANDARD INSURANCE COMPANY | 694 | $101K |
| Long-term disability | STANDARD INSURANCE COMPANY | 463 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.