| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $5K | $21K | 19.70% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 17.97% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 19.37% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | TRUSTMARK INSURANCE COMPANY | $28K | — | $28K | 100.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MN 64108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 66.47% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.01% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 69.99% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $644 | — | $644 | 70.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS, LLC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | — | $77 | $77 | — |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 371 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 371 | $107K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $26K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE COMPANY | 294 | $397K |
| Other(8 contracts, 5 carriers) | TRUSTMARK INSURANCE COMPANY | 458 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.