| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $154K | — | $154K | 7.61% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $111K | $7K | $118K | 11.06% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 0.15% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $31K | $4K | $35K | 6.25% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $699 | $699 | 0.12% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | PO BOX 441 DES MOINES, IA 50302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 12.66% |
| 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 | $13 | — | $13 | 0.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $1K | $1K | 35.25% |
| HOLMES MURPHY & ASSOCIATES3 | 1828 WALNUT ST. STE 701 KANSAS CITY, MO 64108 | ACE AMERICAN INSURANCE COMPANY | $846 | — | $846 | 26.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK EIN 42-0318333 ADMINISTRATOR | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $1.5M |
| DELTA DENTAL EIN 42-0959302 ADMINISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $75K |
| 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 | — | $41K |
| ASSOCIATED BENEFITS CORPORATION EIN 42-1279416 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $32K |
| WELLS FARGO BANK, N.A. EIN 94-1347393 TRUSTEE BANK | Investment management; Investment management fees paid indirectly by plan; Trustee (discretionary); Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $29K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
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 | 3,991 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,145 | $367K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,305 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,259 | $651K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,867 | $2.0M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 3,305 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,867 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.