| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS NORTHWEST | P.O. BOX 185 DES MOINES, IA 50301 | HCC LIFE INSURANCE COMPANY | — | $47K | $47K | 4.65% |
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY | — | $27K | $27K | 5.42% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | UNUM LIFE INSURANCE COMPANY | — | $11K | $11K | 2.17% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET SUITE 701 KANSAS CITY, MO 641082150 | RELIASTAR LIFE INSURANCE COMPANY | $27K | — | $27K | 20.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | P.O. BOX 441 ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 1.55% |
| HOLMES MURPHY & ASSOCIATES4 | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $6K | — | $6K | 15.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | P.O. BOX 441 DES MOINES, IA 50302 | FIRST UNUM LIFE INSURANCE COMPANY | — | $42 | $42 | 4.99% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | FIRST UNUM LIFE INSURANCE COMPANY | — | $17 | $17 | 2.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $398K |
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $57K |
| DELTA DENTAL OF ARIZONA EIN 86-0274899 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $38K |
| ACI EIN 33-0619312 SERVICE PROVIDER | Other services Service code 49 | — | $21K |
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 | 736 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 150 | $1.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,146 | $95K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 784 | $492K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 784 | $492K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 587 | $1.0M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY | 784 | $667K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,146 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.