| 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 | $214K | — | $214K | 6.20% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $173K | — | $173K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $116K | $19K | $135K | 8.61% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | — | $33K | $33K | 2.14% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $398 | $398 | 0.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $38K | $17K | $55K | 6.45% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | — | $26K | $26K | 3.00% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $97 | $97 | 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 | 20.00% |
| HOLMES MURPHY & ASSOCIATES3 | 1828 WALNUT ST. STE 701 KANSAS CITY, MO 64108 | ACE AMERICAN INSURANCE COMPANY | $750 | — | $750 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK EIN 42-0318333 ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $2.4M |
| DELTA DENTAL EIN 42-0959302 ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $143K |
| ASSOCIATED BENEFITS CORPORATION EIN 42-1279416 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $51K |
| BENEFITFOCUS.COM, INC. EIN 57-1099948 INFORMATION MGMT. | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $40K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $35K |
| GALLIARD CAPITAL MANAGEMENT, INC. EIN 41-1813702 INVESTMENT MGMT | Investment management; Investment management fees paid directly by plan Service code 28 | — | $20K |
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 | 5,458 | 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) | 5,540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,275 | $451K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,851 | $1.6M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,281 | $852K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,041 | $3.5M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 4,851 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,851 | — |
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.