| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, INC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | DELTA DENTAL OF MINNESOTA | $10K | — | $10K | 9.01% |
| LECLAIR CORPORATION3 | 6701 UPPER AFTON ROAD ST PAUL, MN 55125 | DELTA DENTAL OF MINNESOTA | $957 | — | $957 | 0.82% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 11.86% |
| BB BENEFIT GROUP LLC3 | W3786 650TH AVENUE SPRING VALLEY, WI 54767 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.69% |
| MACARIO CORPORATION3 | 25900 AUTUMN WAY ROGERS, MN 55374 | STANDARD INSURANCE COMPANY | — | $676 | $676 | 1.48% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $3K | $970 | $4K | 11.26% |
| BB BENEFIT GROUP LLC3 | W3786 650TH AVENUE SPRING VALLEY, WI 54767 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.20% |
| MACARIO CORPORATION3 | 25900 AUTUMN WAY ROGERS, MN 55374 | STANDARD INSURANCE COMPANY | — | $659 | $659 | 1.67% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $5K | $1K | $6K | 15.14% |
| MACARIO CORPORATION3 | 25900 AUTUMN WAY ROGERS, MN 55374 | STANDARD INSURANCE COMPANY | — | $195 | $195 | 0.52% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $3K | $777 | $4K | 11.78% |
| BB BENEFIT GROUP LLC3 | W3786 650TH AVENUE SPRING VALLEY, WI 54767 | STANDARD INSURANCE COMPANY | $843 | — | $843 | 2.77% |
| MACARIO CORPORATION3 | 25900 AUTUMN WAY ROGERS, MN 55374 | STANDARD INSURANCE COMPANY | — | $471 | $471 | 1.55% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 301 | $116K |
| Life insurance | STANDARD INSURANCE COMPANY | 166 | $46K |
| Short-term disability | STANDARD INSURANCE COMPANY | 96 | $30K |
| Long-term disability | STANDARD INSURANCE COMPANY | 166 | $40K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 160 | $493K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 166 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.