| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $4K | 9.59% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $825 | $825 | 1.80% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 503020441 | VISION SERVICE PLAN | $1K | — | $1K | 4.49% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.02% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUS ST SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $552 | $552 | 1.80% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $872 | $215 | $1K | 12.46% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $162 | $162 | 1.86% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING OFFICE P.O. BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $146 | $146 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPH & ASSOCIATES INC | ATTN OPERATING OFFICE P.O. BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $981 | — | $981 | 20.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1825 WALNUT ST SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $98 | $98 | 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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 226 | $2.8M |
| Dental | DELTA DENTAL OF IOWA | 245 | $0 |
| Vision | VISION SERVICE PLAN | 147 | $33K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 272 | $54K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 272 | $31K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 226 | $2.8M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 272 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.