| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 1828 WALNUT STREET, SUITE 700 KANSAS CITY, MO 64108 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $39K | $25K | $64K | 2.48% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 1828 WALNUT STREET, SUITE 700 KANSAS CITY, MO 64108 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 8.52% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MUPRHY AND ASSOCIATES LLC | 1828 WALNUT STREET, SUITE 700 KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 11.99% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 1828 WALNUT STREET, SUITE 700 KANSAS CITY, MO 64108 | VISION SERVICE PLAN | $1K | — | $1K | 5.16% |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 447 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 731 | $130K |
| Vision | VISION SERVICE PLAN | 225 | $26K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 333 | $98K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 333 | $98K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 333 | $98K |
| Other | HARTFORD LIFE AND ACCIDENT | 333 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 731 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.