| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE CO | $3K | $0 | $3K | 3.81% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE CO | $0 | $2K | $2K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE CO | $5K | $0 | $5K | 5.91% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE CO | $0 | $2K | $2K | 2.00% |
| HOLMES MURPHY & ASSOCIATES | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | VERATRUS BENEFIT SOLUTIONS | $4K | $1K | $5K | 6.53% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE CO | $3K | $0 | $3K | 4.58% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST, SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE CO | $0 | $1K | $1K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE CO | $4K | $0 | $4K | 20.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE CO | $0 | $386 | $386 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE CO | $3K | $0 | $3K | 20.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE CO | $0 | $343 | $343 | 2.00% |
| HOLMES MURPHY & ASSOCIATES | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | EMPLOYEE & FAMILY RESOURCES, INC | $0 | $18K | $18K | — |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VERATRUS BENEFIT SOLUTIONS | 480 | $79K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE CO | 618 | $162K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE CO | 98 | $36K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO | 618 | $82K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE CO | 624 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 624 | — |
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.