| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $34K | — | $34K | 110.83% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PL 6TH FLOOR SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $109 | — | $109 | 0.36% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE 6TH FLOOR SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $905 | — | $905 | 3.71% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $259 | — | $259 | 1.06% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $185K | — | $185K | 869.45% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $228 | — | $228 | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PL 6TH FLOOR SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $107 | — | $107 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | 300 N CHERAPA PL 6TH FLOOR SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 12.86% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | $717 | — | $717 | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $276 | — | $276 | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $59 | — | $59 | 0.41% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $246 | — | $246 | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNANAGENCY LLC | 300 N CHERAPA PLACE 6TH FLOOR SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $154 | — | $154 | 1.18% |
| C2 CENTRIL LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $16 | — | $16 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 NORTH CHERAPA PLACE 6TH FLOOR SIOUX FALLS, SD 57103 | STANDARD INSURANCCE COMPANY | — | $1K | $1K | 15.83% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCCE COMPANY | — | $882 | $882 | 11.48% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCCE COMPANY | — | $416 | $416 | 5.41% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 127 | $1.4M |
| Dental | STANDARD INSURANCCE COMPANY | 122 | $8K |
| Vision | STANDARD INSURANCE COMPANY | 98 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 174 | $24K |
| Short-term disability | STANDARD INSURANCE COMPANY | 96 | $31K |
| Long-term disability | STANDARD INSURANCE COMPANY | 174 | $21K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 127 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.