| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | COVENTRY HEALTH CARE OF KANSAS, INC. | $7K | — | $7K | 3.08% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | COVENTRY HEALTH CARE OF KANSAS, INC. | $5K | — | $5K | 1.92% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | COVENTRY HEALTH AND LIFE | $7K | — | $7K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINATTI, OH 45263 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.45% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 6300 WEST 143RD STREET, SUITE 200 OVERLAND PARK, KS 66223 | PRINCIPAL LIFE INSURANCE COMPANY | $967 | — | $967 | 1.95% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | PRINCIPAL LIFE INSURANCE COMPANY | $603 | — | $603 | 6.24% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 6300 WEST 143RD STREET, SUITE 200 OVERLAND PARK, KS 66223 | PRINCIPAL LIFE INSURANCE COMPANY | $573 | — | $573 | 5.93% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | PRINCIPAL LIFE INSURANCE COMPANY | $342 | — | $342 | 5.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 6300 WEST 143RD STREET, SUITE 200 OVERLAND PARK, KS 66223 | PRINCIPAL LIFE INSURANCE COMPANY | $277 | — | $277 | 4.18% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COVENTRY HEALTH CARE OF KANSAS, INC. | 137 | $381K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $50K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.