| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | P.O. BOX 9207 DES MOINES, IA 50306 | HCC LIFE INSURANCE COMPANY | $0 | $21K | $21K | 7.61% |
| RON BOWLING3 | 8575 W 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE | $10K | $4K | $14K | 13.61% |
| PHIL HICKMAN3 | 3633 JONES STREET SIOUX CITY, IA 51104 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $0 | $2K | 1.76% |
| RICHARD G MCGOWAN3 | 1716 N 59TH STREET OMAHA, NE 68104 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $104 | $2K | 1.74% |
| PAMELA SWANSON ALLEN3 | 7736 WESTGATE DRIVE LENEXA, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | $252 | $2K | 1.69% |
| MARK R FLYNN LIVING TRUST3 | 2748 SW BERKSHIRE DRIVE TOPEKA, KS 66614 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $0 | $2K | 1.56% |
| CASSANDRA LONG3 | 8629 ALDEN ST LENEXA, KS 66215 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | $224 | $1K | 1.37% |
| MAUREEN E CONRAN3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE | $1K | $338 | $1K | 1.34% |
| MARILYN B BOWLING3 | 8447 SUMMIT STREET LENEXA, KS 66215 | COLONIAL LIFE & ACCIDENT INSURANCE | $942 | $304 | $1K | 1.22% |
| RYAN BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE | $556 | $370 | $926 | 0.91% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT E ELLIS | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE | $414 | $146 | $560 | 0.55% |
| THOMAS B. HOUSE3 Filed as: THOMAS B HOUSE | 2145 MAPLE STREET SIDNEY, NE 69162 | COLONIAL LIFE & ACCIDENT INSURANCE | $451 | $13 | $464 | 0.45% |
| BRIDGET ZUNIGA3 | 14608 W 62ND STREET SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE | $373 | $39 | $412 | 0.40% |
| MICHAEL DONLEY3 | 2241 PUEBLO COURT SIOUX CITY, IA 51104 | COLONIAL LIFE & ACCIDENT INSURANCE | $217 | $14 | $231 | 0.23% |
| TERRY ALLEN SMITH3 | 14070 S DARNELL COURT OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE | $196 | $5 | $201 | 0.20% |
| LINDSAY BURGESS3 | 3505 WEST 63RD STREET MISSION HILLS, KS 66208 | COLONIAL LIFE & ACCIDENT INSURANCE | $133 | $4 | $137 | 0.13% |
| DUANE A ADAMS3 Filed as: DUANE L GOTTSCH | 2220 NORTH 172ND AVENUE OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE | $117 | $0 | $117 | 0.11% |
| TAMARA ANN BUSCHER3 | 1318 S WINTERBROOK OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE | $112 | $5 | $117 | 0.11% |
| DALE I DAVIS3 Filed as: DALE JOHNSTON | 1612 M AVENUE MILFORD, IA 51351 | COLONIAL LIFE & ACCIDENT INSURANCE | $66 | $15 | $81 | 0.08% |
| KRISTI LYN HOVIE3 | 11261 WRIGHT CIRCLE OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE | $16 | $0 | $16 | 0.02% |
| DAVID S CLARK3 | 11305 RILEY OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE | $10 | $0 | $10 | 0.01% |
| JULIA C SHARP3 | 5810 NORTH 166TH STREET OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE | $7 | $0 | $7 | 0.01% |
| TODD BURKE3 Filed as: TODD MICHAEL COHOE | 60 N HALIFAX DRIVE ORMOND BEACH, FL 32176 | COLONIAL LIFE & ACCIDENT INSURANCE | $4 | $0 | $4 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | 2637 S 158TH PLAZA #200 OMAHA, NE 68130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| MID AMERICAN GROUP, INC.3 Filed as: MID-AMERICAN BENEFITS, INC. | 5310 N 9TH STREET SUITE 1 OMAHA, NE 68134 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | P.O. BOX 9207 DES MOINES, IA 50306 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $66 | $66 | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MID-AMERICAN BENEFITS EIN 47-0769922 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 5310 NORTH 99TH STREET SUITE 1 OMAHA, NE 68134 | $61K |
| COMPASS PROFESSIONAL SERVICES EIN 35-2263629 VENDOR | Other services Service code 49 | 3102 OAK LAWN SUITE 215 DALLAS, TX 75219 | $14K |
| MIDLANDS CHOICE EIN 47-0696044 PPO | Other services Service code 49 | 8420 W DODGE ROAD SUITE 210 OMAHA, NE 68114 | $13K |
| CONTINUUM EAP EIN 47-0646445 VENDOR | Other services Service code 49 | 1135 M STREET APT 406 LINCOLN, NE 68508 | $8K |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 303 | $275K |
| Dental | HCC LIFE INSURANCE COMPANY | 303 | $275K |
| Vision | HCC LIFE INSURANCE COMPANY | 303 | $275K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE | 301 | $134K |
| Short-term disability(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 303 | $377K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 303 | $275K |
| Other(3 contracts, 3 carriers) | HCC LIFE INSURANCE COMPANY | 303 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.