| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 2637 SO 158TH PLAZA SUITE 200 OMAHA, NE 68130 | HM LIFE INSURANCE COMPANY | $114K | — | $114K | 14.00% |
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC5 Filed as: BENEFIT ADMINISTRATIVE SYSTEMS | 117475 JOVANNA DR. 1B HOMEWOOD, IL 60430 | HM LIFE INSURANCE COMPANY | $8K | — | $8K | 1.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 3001 WESTTOWN PKWY W DES MOINES, IA 50266 | AETNA LIFE INSURANCE COMPANY | $51K | — | $51K | 11.99% |
| BENEFIT ADVISORS SERVICES GROUP LLC Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PARKWAY ALPHARETTA, GA 50306 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 2.12% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $2K | $14K | 5.43% |
| 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 | 3.13% |
| CRISS BUTLER3 | 4924 EASTRIDGE DR OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 1.60% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $530 | $4K | 1.41% |
| RICHARD G MCGOWAN3 | 1716 N 59TH STREET OMAHA, NE 68104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $123 | $3K | 1.26% |
| DEAN W FORNOFF3 | 16041 BUFFALO ROAD SPRINGFIELD, NE 68059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $690 | — | $690 | 0.27% |
| JERRY A EDGAR3 | 7021 S 38TH ST LINCOLN, NE 68516 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $448 | $130 | $578 | 0.23% |
| THOMAS W BOSTON3 Filed as: THOMAS D FULLER | 1830 BRENT BLVD LINCOLN, NE 68506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $523 | $7 | $530 | 0.21% |
| THOMAS JAMES BUTLER3 | 7913 N 164TH ST BENNINGTON, NE 68007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | — | $376 | 0.15% |
| R C SCHOPP & ASSOCIATES INC3 | PO BOX 350 BOYS TOWN, NE 68010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| TODD BURKE3 Filed as: TODD MICHAEL COHOE | 60 N HALIFAX DR ORMOND BEACH, FL 32176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 2637 S 158TH PLZ STE 200 OMAHA, NE 681301769 | VISION SERVICE PLAN | $2K | — | $2K | 1.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | VISION SERVICE PLAN | $807 | — | $807 | 0.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ADMINISTRATIVE SYSTEMS EIN 36-4197088 CONTRACT ADM/CLAIMS PROC | Contract Administrator; Claims processing Service code 12 | 17475 JOVANNA DR. 1B HOMEWOOD, IL 60430 | $247K |
| HOLMES MURPHY & ASSOCIATES EIN 42-0985055 CONSULTANT | Consulting (general) Service code 16 | 2637 S 158TH PLZ STE 200 OMAHA, NE 68130 | $58K |
| HCMS GROUP EIN 27-1478411 REPORTING | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 415 W 17TH ST, STE 250 CHEYENNE, WY 82001 | $22K |
| TELEDOC, INC EIN 04-3705970 TELEMEDICINE | Other fees Service code 99 | 1945 LAKEPOINTE DRIVE LEWISVILLE, TX 75057 | $20K |
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 | 602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 525 | $109K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,244 | $428K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,244 | $428K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 625 | $816K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,244 | $679K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,244 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.