| 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 | — | $33K | $33K | 1.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 6.29% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $934 | — | $934 | 2.00% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $326 | — | $326 | 0.70% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 14.88% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $774 | — | $774 | 1.98% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $263 | — | $263 | 0.67% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.01% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $248 | — | $248 | 2.00% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $77 | — | $77 | 0.62% |
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 | 226 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 271 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $142K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $142K |
| Life insurance | STANDARD INSURANCE COMPANY | 226 | $47K |
| Short-term disability | STANDARD INSURANCE COMPANY | 168 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 36 | $12K |
| Other | STANDARD INSURANCE COMPANY | 226 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.