| 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 | $4K | $0 | $4K | 4.56% |
| 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 | $3K | $0 | $3K | 4.14% |
| 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 | $0 | $4K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE CO | $3K | — | $3K | 3.62% |
| 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 | $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 | $301 | $301 | 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 | $293 | $293 | 2.00% |
| HOLMES MURPHY & ASSOCIATES | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | EMPLOYEE & FAMILY RESOURCES, INC | $0 | $17K | $17K | — |
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 | 443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VERATRUS BENEFIT SOLUTIONS | 467 | $78K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE CO | 596 | $154K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE CO | 107 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO | 596 | $84K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE CO | 609 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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."
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.