| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: BENEFIT ADVISORS SERVIES GRP | 1120 SANCTUARY PRWK STE 375 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.13% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 91147 SIOUX FALLS, SD 57109 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $32K | $3K | $35K | 38.58% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY WEST DES MOINES, IA 502661321 | RELIASTAR LIFE INSURANCE COMPANY | $792 | — | $792 | 2.16% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY WEST DES MOINES, IA 502661321 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 30.51% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY WEST DES MOINES, IA 502661321 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 91147 SIOUX FALLS, SD 57109 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $410 | $5K | 19.21% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 562 | $255K |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 426 | $52K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 562 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.