| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $232K | — | $232K | 6.20% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $187K | $42K | $229K | 6.13% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $151K | $4K | $155K | 9.76% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 8366 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $0 | $44K | $44K | 2.75% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 1.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $39K | $2K | $41K | 4.70% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 8366 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $0 | $26K | $26K | 3.00% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 1.93% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 21.59% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $495 | — | $495 | 0.39% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $2K | $61 | $2K | 10.44% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 8366 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $0 | $643 | $643 | 3.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $789 | $42 | $831 | 4.69% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 8366 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $0 | $532 | $532 | 3.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $0 | $1K | $1K | 20.00% |
| HOLMES MURPHY & ASSOCIATES3 | 1828 WALNUT ST. STE 701 KANSAS CITY, MO 64108 | ACE AMERICAN INSURANCE COMPANY | $0 | $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 | — | $2.6M |
| DELTA DENTAL EIN 42-0959302 ADMINISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $146K |
| ASSOCIATED BENEFITS CORPORATION EIN 42-1279416 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $51K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $51K |
| SPENCER FANE LLP EIN 44-0561981 LEGAL | Legal Service code 29 | — | $21K |
| BENEFITFOCUS.COM, INC. EIN 44-0561981 INFORMATION MGMT. | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $17K |
| BRAL NIEDERT PRIVATE WEALTH ADVISOR INVESTMENT MGMT | Investment management; Investment management fees paid directly by plan Service code 28 | 6701 WESTOWN PARKWAY SUITE 260 WEST DES MOINES, IA 50266 | $15K |
| GALLIARD CAPITAL MANAGEMENT, INC. EIN 41-1813702 INVESTMENT MGMT | Investment management; Investment management fees paid directly by plan Service code 28 | — | $14K |
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 | 5,337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,512 | $494K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 4,738 | $1.6M |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 4,456 | $885K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,516 | $3.7M |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 4,738 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,738 | — |
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.