| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $84K | — | $84K | 5.53% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 1.41% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 0.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $26K | — | $26K | 3.50% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 0.58% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SC EIN 57-0287419 ADMINISTRATOR | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.3M |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $128K |
| HOLMES MURPHY & ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | PO BOX 441 DES MOINES, IA 50302 | $86K |
| VISION SERVICE PLAN EIN 36-3560825 VISION ADMINISTRATOR | Contract Administrator Service code 13 | — | $64K |
| STANDARD INSURANCE COMPANY EIN 93-0242990 STD ADMINISTRATOR | Claims processing Service code 12 | — | $29K |
| LOCKTON COMPANIES, LLC BROKER | Insurance agents and brokers Service code 22 | 444 WEST 47TH ST., 900 KANSAS CITY, MO 64112 | $16K |
| P&A GROUP FSA ADMINISTRATOR | Contract Administrator Service code 13 | 17 COURT STREET BUFFALO, NY 14202 | $15K |
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 | 2,718 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 278 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 2,718 | $1.5M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,903 | $748K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,718 | — |
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.