| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $41K | $41K | 1.74% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $200 | $9K | 7.78% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MUPRHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | HARTFORD LIFE AND ACCIDENT | $12K | $802 | $13K | 14.97% |
| 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 | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | VISION SERVICE PLAN | $1K | — | $1K | 4.98% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 299 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 708 | $117K |
| Vision | VISION SERVICE PLAN | 218 | $25K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 316 | $87K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 316 | $87K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 316 | $87K |
| Other | HARTFORD LIFE AND ACCIDENT | 316 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 708 | — |
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.
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.