| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE SERVICE | 7415 WEST 130TH STREET, SUITE 200 OVERLAND PARK, KS 66213 | SYMETRA LIFE INSURANCE COMPANY | $32K | $53K | $85K | 4.81% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 9207 DES MOINES, IA 50306 | SYMETRA LIFE INSURANCE COMPANY | $71K | — | $71K | 4.06% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MONIES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $10K | 5.40% |
| BETTENHAUSEN INSURANCE SERVICES LLC3 Filed as: BETTENHAUSEN, ROBERT, N | 6041 VILLAGE DRIVE, SUITE 100 LINCOLN, NE 68516 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 11.70% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $428 | — | $428 | 0.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUXIANT EIN 42-1426202 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $631K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $136K |
| VISION SERVICE PLAN EIN 06-1227840 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $62K |
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 | 5,244 | 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) | 5,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 4,503 | $1.8M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 18 | $49K |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 4,503 | $1.9M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 4,503 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,503 | — |
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.