| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 2637 SO 158TH PLAZA SUITE 200 OMAHA, NE 68130 | UNITED STATES FIRE INSURANCE COMPANY | $77K | — | $77K | 14.00% |
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC5 Filed as: BENEFIT ADMINISTRATIVE SYSTEMS | 117475 JOVANNA DR. 1B HOMEWOOD, IL 60430 | UNITED STATES FIRE INSURANCE COMPANY | $5K | — | $5K | 1.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 2637 SO 158TH PLAZA SUITE 200 OMAHA, NE 68130 | HARTFORD LIFE AND ACCIDENT | $33K | $5K | $38K | 11.58% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 6.34% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50268 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 3.83% |
| CRISS BUTLER3 | 4924 EASTRIDGE DR OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 1.93% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $628 | $4K | 1.71% |
| RICHARD G MCGOWAN3 | 1716 N 59TH STREET OMAHA, NE 68104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $82 | $2K | 1.12% |
| DEAN W FORNOFF3 | 16041 BUFFALO ROAD SPRINGFIELD, NE 68059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $23 | $1K | 0.54% |
| PRENTISS & ASSOCIATES, INC.3 Filed as: PRENTISS & ASSOCIATES INC | 3404 WEST 129TH STREET LEAWOOD, KS 66209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $897 | — | $897 | 0.44% |
| THOMAS JAMES BUTLER3 | 7913 N 164TH ST BENNINGTON, NE 68007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $753 | $32 | $785 | 0.38% |
| THOMAS W BOSTON3 Filed as: THOMAS D FULLER | 1830 BRENT BLVD LINCOLN, NE 68506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $487 | $4 | $491 | 0.24% |
| ROBERT T MADEJ3 | 2923 LYNNWOOD DRIVE BELLEVUE, NE 68123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | — | $424 | 0.21% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | 2220 NORTH 172ND AVENUE OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | — | $364 | 0.18% |
| JULIA C SHARP3 | 5810 NORTH 166TH ST OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 0.09% |
| R C SCHOPP & ASSOCIATES INC3 | PO BOX 350 BOYS TOWN, NE 68010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| TODD BURKE3 Filed as: TODD MICHAEL COHOE | 60 N HALIFAX DR ORMOND BEACH, FL 32176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 2637 S 158TH PLZ STE 200 OMAHA, NE 681301769 | VISION SERVICE PLAN | $1K | — | $1K | 1.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ADMINISTRATIVE SYSTEMS EIN 36-4197088 CONTRACT ADM/CLAIMS PROC | Claims processing; Contract Administrator Service code 12 | 17475 JOVANNA DR. 1B HOMEWOOD, IL 60430 | $205K |
| HOLMES MURPHY & ASSOCIATES EIN 42-0985055 CONSULTANT | Consulting (general) Service code 16 | 2637 S 158TH PLZ STE 200 OMAHA, NE 68130 | $40K |
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 | 595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 458 | $75K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 699 | $332K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 699 | $332K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 699 | $332K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 559 | $547K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 699 | $538K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.