| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECTALTY BENEFITS, LLC | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $115K | $115K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIASTAR LIFE INSURANCE COMPANY | $49K | $0 | $49K | 2.14% |
| RINGMASTER INSURANCE AGENCY LLC3 | 5200 TOWN CENTER CIR STE 540 BOCA RATON, FL 33486 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $12K | $12K | 2.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $11K | $11K | 2.17% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.37% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECTALTY | STE 801 1828 WALNUT STREET KANSAS CITY, MO 64108 | UNUM INSURANCE COMPANY | $17K | $0 | $17K | 10.82% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM INSURANCE COMPANY | $0 | $4K | $4K | 2.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $12 | $12 | 0.01% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECTALTY | STE 801 1828 WALNUT STREET KANSAS CITY, MO 64108 | UNUM INSURANCE COMPANY | $13K | $0 | $13K | 18.87% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 2.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $371 | $371 | 0.54% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 3.21% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECTALTY | STE 801 1828 WALNUT STREET KANSAS CITY, MO 64108 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 3.15% |
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 | 2,589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 63 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 2,519 | $122K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,589 | $562K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,608 | $508K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 442 | $238K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,724 | $2.3M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,589 | $853K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,724 | — |
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.