| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, ID 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $13K | $13K | 2.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, ID 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $12K | $12K | 2.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, ID 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 1.94% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY | STE 801 1828 WALNUT STREET KANSAS CITY, MT 64108 | UNUM INSURANCE COMPANY | $25K | $0 | $25K | 13.96% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, ID 50302 | UNUM INSURANCE COMPANY | $0 | $5K | $5K | 2.99% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNUM INSURANCE COMPANY | $0 | $3K | $3K | 1.84% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNUM INSURANCE COMPANY | $0 | $3K | $3K | 3.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, ID 50302 | UNUM INSURANCE COMPANY | $0 | $3K | $3K | 3.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $446 | $446 | 0.53% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNUM INSURANCE COMPANY | $0 | $3K | $3K | 4.72% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM INSURANCE COMPANY | $0 | $3K | $3K | 4.59% |
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 | 2,714 | 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) | 2,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,740 | $628K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,817 | $590K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $256K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,740 | $963K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,817 | — |
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.