| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, INC. | 225 SOUTH 6TH STREET MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MINNESOTA | $12K | — | $12K | 12.30% |
| MUSTY BARNHART AGCY3 Filed as: MUSTY BARNHART AGENCY, INC. | 910 MAIN STREET SUITE 202 RED WING, MN 55066 | DELTA DENTAL OF MINNESOTA | $2K | — | $2K | 1.58% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 10.42% |
| BRIANNA K BUCHOLZ3 | W4763 230TH AVENUE MAIDEN ROCK, WV 54750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.29% |
| MUSTY BARNHART AGCY3 | 910 MAIN STREET SUITE 202 RED WING, MN 55066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.83% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.74% |
| TIM A BECKER3 | 2313 MOHOLT DRIVE EAU CLAIRE, WI 54703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $223 | — | $223 | 0.73% |
| SAMANTHA C CORTELAZZO-ABBATE3 Filed as: SAMANTHA J MICHAELSON | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $194 | — | $194 | 0.64% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 123 | $100K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $88K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $88K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $88K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.