| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SYMETRA LIFE INSURANCE COMPANY | $18K | $3K | $20K | 17.46% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.52% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AMERITAS LIFE INSURANCE CORP. | $6K | — | $6K | 5.72% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET, SUITE 700 KANSAS CITY, MO 64108 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 2.00% |
| CHRISTINA J AMMONS3 | 6909 SPRING PARK DRIVE JEFFERSON CITY, MO 65109 | ASSURITY LIFE INSURANCE COMPANY | $13K | — | $13K | 13.89% |
| WORKSITE INNOVATIONS INC3 Filed as: WORKSITE INNOVATIONS | 2429 HYDE PARK ROAD JEFFERSON CITY, MO 65109 | ASSURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 5.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $262K |
| HOLMES MURPHY & ASSOCIATES EIN 42-0985055 BROKER | Other commissions Service code 55 | — | $75K |
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 | 232 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ASSURITY LIFE INSURANCE COMPANY | 325 | $92K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 429 | $102K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 429 | $102K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 232 | $117K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 232 | $117K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 232 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.