| 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 | STANDARD LIFE INSURANCE COMPANY | $15K | $901 | $16K | 9.09% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | STANDARD LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.99% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.92% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $6K | $986 | $7K | 4.82% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 3.00% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.92% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $0 | $2K | $2K | 22.44% |
| HOLMES MURPHY & ASSOCIATES3 | 1828 WALNUT ST., STE. 701 KANSAS CITY, MO 64108 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 16.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CBIZ CPAS P.C. EIN 43-1947695 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| WELLS FARGO BANK, N.A. EIN 94-1347393 TRUSTEE BANK | Direct payment from the plan; Trustee (discretionary); Investment management; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $9K |
| ASSOCIATED BENEFITS CORPORATION EIN 42-1279416 PLAN ADMIN | Plan Administrator; Direct payment from the plan Service code 14 | — | $0 |
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 | 1,890 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,890 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 160 | $30K |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 854 | $176K |
| Long-term disability | STANDARD INSURANCE COMPANY | 639 | $138K |
| Other(3 contracts, 3 carriers) | STANDARD LIFE INSURANCE COMPANY | 934 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 934 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.