| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.91% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVE SOUTH #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $269 | — | $269 | 0.37% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $180 | — | $180 | 0.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.62% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVE SOUTH #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $431 | — | $431 | 0.71% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $287 | — | $287 | 0.48% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.42% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVE SOUTH #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $443 | — | $443 | 0.76% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $295 | — | $295 | 0.51% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.40% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVE SOUTH #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $233 | — | $233 | 0.56% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $156 | — | $156 | 0.37% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 7.68% |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 144 | $73K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 128 | $22K |
| Life insurance | STANDARD INSURANCE COMPANY | 285 | $58K |
| Short-term disability | STANDARD INSURANCE COMPANY | 134 | $42K |
| Long-term disability | STANDARD INSURANCE COMPANY | 285 | $60K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 285 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.