| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 5120 S SOLBERG AVE SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $1K | — | $1K | 2.41% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | P O BOX 441 DES MOINES, IA 50302 | SUNLIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 9.34% |
| C2 CENTRIC LLC3 | P O BOX 6824 GRAND RAPIDS, MI 49516 | SUNLIFE ASSURANCE COMPANY OF CANADA | — | $53 | $53 | 0.35% |
| HOLMES MURPHY & ASSOCIATES3 | P O BOX 441 DES MOINES, IA 50302 | EYEMED VISION CARE | $658 | — | $658 | 10.01% |
| FLEXVISION - MD3 | 15400 CALHOUN DR ROCKVILLE, MD 20855 | EYEMED VISION CARE | — | $131 | $131 | 1.99% |
| AUDREY ANN JOHNSON3 | 7373 E DOUBLETREE RANCH #200 SCOTTSDALE, AZ 85258 | EYEMED VISION CARE | — | $66 | $66 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 11 SCOTT ST WAUSAU, WI 544034875 | $63K |
| HOLMES MURPHY & ASSOCIATES INC EIN 42-0985055 BROKER | Other commissions Service code 55 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | $29K |
| HOLMES MURPHY & ASSOCIATES LLC EIN 42-0985055 CLAIM PROCESSING | Claims processing Service code 12 | P O BOX 441 DES MOINES, IA 50302 | $143 |
| C2 CENTRIC LLC EIN 37-1667902 CLAIM PROCESSING | Claims processing Service code 12 | P O BOX 6824 GRAND RAPIDS, MI 49516 | $5 |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 134 | $57K |
| Vision | EYEMED VISION CARE | 141 | $7K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 103 | $15K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 103 | $15K |
| Stop-loss / reinsurancereinsurance | EAST COAST UNDERWRITERS | 70 | $243K |
| Other | SUNLIFE ASSURANCE COMPANY OF CANADA | 0 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.