| 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 INSURANCE COMPANY | $5K | $292 | $6K | 4.70% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 8366 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 3.00% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.92% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD LIFE INSURANCE COMPANY | $3K | $76 | $3K | 10.32% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 8366 DES MOINES, IA 50302 | STANDARD LIFE INSURANCE COMPANY | $0 | $861 | $861 | 3.00% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD LIFE INSURANCE COMPANY | $554 | — | $554 | 1.93% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $0 | $2K | $2K | 20.00% |
| HOLMES MURPHY & ASSOCIATES3 | 1828 WALNUT ST., STE. 701 KANSAS CITY, MO 64108 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $21K |
| WELLS FARGO BANK, N.A. EIN 94-1347393 TRUSTEE BANK | Trustee (discretionary); Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Investment management fees paid indirectly by plan; Investment management Service code 21 | — | $16K |
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 | 1,864 | 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) | 1,864 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 151 | $29K |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 890 | $29K |
| Long-term disability | STANDARD INSURANCE COMPANY | 633 | $117K |
| Other(3 contracts, 3 carriers) | STANDARD LIFE INSURANCE COMPANY | 890 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 890 | — |
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.