| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | SUN LIFE ASSURANCE COMPANY OF CANADA | $94K | $7K | $101K | 9.16% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 1.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $101K | $23K | $124K | 11.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $23K | $0 | $23K | 5.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $3K | $16K | 10.75% |
| AXA ASSISTANCE, USA3 Filed as: MONY BROKERAGE,INC.-AXA NETWORK LLC | C/O CRUMP LIFE INSURANCE SVCS 4135 N FRONT ST. HARRISBURG, PA 17110 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| HOLMES MURPHY & ASSOCIATES3 | 9300 W 110TH ST, SUITE 645 OVERLAND PARK, KS 66210 | ACE AMERICAN INSURANCE COMPANY | $815 | — | $815 | 5.66% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $0 | $815 | $815 | 5.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK EIN 42-0318333 ADMINISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $416K |
| DELTA DENTAL EIN 42-0959302 ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $56K |
| BENEFITFOCUS.COM, INC. EIN 57-1099948 INFORMATION MGMT. | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $44K |
| ASSOCIATED BENEFITS CORPORATION EIN 42-1279416 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $16K |
| WELLS FARGO BANK, N.A. EIN 94-1347393 TRUSTEE BANK | Investment management fees paid indirectly by plan; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Investment management; Trustee (discretionary) Service code 21 | — | $13K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $8K |
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 | 4,456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,079 | $280K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,316 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,240 | $600K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,328 | $1.1M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 3,316 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,316 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.