| 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 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $10K | $10K | 3.56% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $5K | — | $5K | 1.85% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 3.46% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST. SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 3.63% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 3.84% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 35.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.86% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $769 | $769 | 3.97% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $388 | $388 | 2.00% |
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 | 2,455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 379 | $42K |
| Vision | VISION SERVICE PLAN | 1,238 | $258K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,457 | $180K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,111 | $277K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 947 | $141K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,457 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,457 | — |
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.