| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $280 | $2K | 4.47% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | $8K | $360 | $8K | 18.02% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | $0 | $820 | $820 | 1.83% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $93 | $93 | 0.21% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 830272 PHILADELPHIA, PA 19182 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $987 | $987 | 2.78% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $658 | $658 | 1.85% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $306 | $306 | 0.86% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRARIE PARKWAY WAUKEE, IA 50263 | SUPERIOR VISION PLAN OF TEXAS | $420 | $0 | $420 | 9.02% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 71 | $54K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 88 | $5K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 133 | $80K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $35K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 133 | $80K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 133 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.