| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 1828 WALNUT ST STE 700 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $13K | $13K | 2.55% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST SUITE 801 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 1.83% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 1.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS, LLC | PO BOX 9207 DES MOINES, IA 50306 | HARTFORD LIFE AND ACCIDENT | $59K | $3K | $62K | 14.36% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | $0 | $8K | $8K | 1.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 0.79% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS, LLC | PO BOX 9207 DES MOINES, IA 50306 | HARTFORD LIFE AND ACCIDENT | $986 | $122 | $1K | 5.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $0 | $111 | $111 | 0.51% |
No Schedule C service providers reported on this filing.
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 | 617 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 622 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 608 | $520K |
| Vision | VISION SERVICE PLAN | 621 | $67K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 606 | $433K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 606 | $433K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 606 | $455K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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.