| 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 | $475K | — | $475K | 15.27% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $95K | — | $95K | 3.06% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $170K | — | $170K | 9.58% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 0.22% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $43K | — | $43K | 5.00% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 0.24% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | PO BOX 441 DES MOINES, IA 50302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $519 | $11K | 6.39% |
| 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 | $10 | — | $10 | 0.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $800 | $800 | 20.00% |
| HOLMES MURPHY & ASSOCIATES3 | 1828 WALNUT ST. STE 701 KANSAS CITY, MO 64108 | ACE AMERICAN INSURANCE COMPANY | $600 | — | $600 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK EIN 42-0318333 ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $2.0M |
| DELTA DENTAL EIN 42-0959302 ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $71K |
| ASSOCIATED BENEFITS CORPORATION EIN 42-1279416 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $37K |
| 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 | — | $37K |
| WELLS FARGO BANK, N.A. EIN 94-1347393 TRUSTEE BANK | Investment management fees paid indirectly by plan; Trustee (discretionary); Trustee (bank, trust company, or similar financial institution); Investment management; Direct payment from the plan Service code 21 | — | $31K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $23K |
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 | 5,393 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 82 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,227 | $536K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,780 | $1.8M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,501 | $1.0M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,269 | $3.1M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 4,780 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,780 | — |
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.