| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNICO GROUP INC3 Filed as: UNICO GROUP | 1128 LINCOLN MALL SUITE 200 LINCOLN, NE 68508 | PROSELECT INSURANCE COMPANY | — | $66K | $66K | 13.99% |
| AUXIANT3 | 424 FIRST AVENUE NORTHEAST CEDAR RAPIDS, IA 52401 | PROSELECT INSURANCE COMPANY | $19K | — | $19K | 4.12% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $8K | $19K | 4.55% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | ASSURITY LIFE INSURANCE COMPANY | $24K | — | $24K | 18.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
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 | 566 | 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) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 298 | $45K |
| Life insurance(2 contracts) | ASSURITY LIFE INSURANCE COMPANY | 575 | $174K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $407K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $407K |
| Stop-loss / reinsurancereinsurance | PROSELECT INSURANCE COMPANY | 561 | $472K |
| Other | ASSURITY LIFE INSURANCE COMPANY | 162 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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.