| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PKWY W DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $24K | — | $24K | 2.73% |
| BURNHAM FINANCIAL SERVICES, LLC3 Filed as: BURNHAM FINANCIAL SERVICES | 2038 SARANAC AVE. LAKE PLACID, NY 129461177 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 1.62% |
| BENEFIT ADVISORS SRVCS GROUP3 | 1120 SANCTUARY PKWY, SUITE 375 ALPHARETTA, GA 30009 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 0.67% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.26% |
| BURNHAM FINANCIAL SERVICES, LLC3 | 2038 SARANAC AVE. LAKE PLACID, NY 129461177 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 4.54% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 2.26% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY, SUITE 375 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 0.67% |
| BURNHAM FINANCIAL SERVICES, LLC3 | 2038 SARANAC AVE. LAKE PLACID, NY 129461177 | AMERITAS LIFE INSURANCE CORP. | $17K | — | $17K | — |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 9207 DES MOINES, IA 503069207 | AMERITAS LIFE INSURANCE CORP. | $10K | — | $10K | — |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 13810 FNB PKWY OMAHA, NE 681545216 | AMERITAS LIFE INSURANCE CORP. | — | $325 | $325 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE EIN 71-0847266 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $971K |
| RUSSELL INVESTMENTS NONE | Investment management; Investment management fees paid directly by plan Service code 28 | 1301 2ND AVENUE 18TH FLOOR SEATTLE, WA 98101 | $406K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $74K |
| CBIZ RETIREMENT PLAN SERVICES EIN 31-1582098 NONE | Actuarial; Consulting (pension); Direct payment from the plan Service code 11 | — | $16K |
| BENEFIT TRUST COMPANY EIN 43-1971558 NONE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $14K |
| CBIZ FINANCIAL SOLUTIONS, INC. EIN 52-1396995 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $8K |
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 | 800 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 446 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 717 | $0 |
| Vision | AMERITAS LIFE INSURANCE CORP. | 717 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 1,144 | $895K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,096 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,144 | — |
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.