| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, INC. | 6300 WEST 143RD STREET, SUITE 200 OVERLAND PARK, KS 66223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $15K | $58K | 6.09% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, INC. | 6300 WEST 143RD ST., SUITE 200 OVERLAND PARK, KS 66223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $11K | $24K | 4.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, INC. | 6300 WEST 143RD ST., SUITE 200 OVERLAND PARK, KS 66223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $3K | $23K | 17.58% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, INC. | P.O. BOX 9207 DES MOINES, IA 50306 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 7.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 5.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE EIN 35-0472300 ADMINISTRATOR | Contract Administrator Service code 13 | — | $23K |
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 | 2,884 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 90 | $37K |
| Vision | AETNA LIFE INSURANCE CO. | 90 | $37K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,248 | $1.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,048 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,248 | — |
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.