| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | RELASTAR LIFE INSURANCE COMPANY | — | $51K | $51K | 5.00% |
| STEALTH PARTNER GROUP LLC3 | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | RELASTAR LIFE INSURANCE COMPANY | $24K | — | $24K | 2.36% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $8K | $14K | 8.52% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $7K | $34K | 25.35% |
| SELECT NETWORKS3 | 317 6TH AVENUE SUITE 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 11.00% |
| HOLMES MURPHY & ASSOCIATES3 | 3333 LEE PARKWAY SUITE 900 DALLAS, TX 75219 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | PO BOX 9207 DES MOINES, IA 50306 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 11.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURHY AND ASSOCIATES INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 18.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $774 | $774 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 18.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $555 | $555 | 2.00% |
No Schedule C service providers reported on this filing.
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 | 776 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 412 | $86K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 776 | $195K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 776 | $163K |
| Stop-loss / reinsurancereinsurance | RELASTAR LIFE INSURANCE COMPANY | 635 | $1.0M |
| Other(7 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,216 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,216 | — |
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.