| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | — | $41K | 6.21% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $12K | $12K | 1.88% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.33% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | EYEMED VISION CARE | $8K | — | $8K | 9.94% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | EYEMED VISION CARE | $95 | — | $95 | 10.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $362K |
| DELTA DENTAL OF NEBRASKA EIN 47-0685003 DENTAL ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $25K |
| NEBRASKA METHODIST HEALTH SYSTEM EIN 47-0639839 EAP ADMINISTRATOR | Contract Administrator Service code 13 | — | $15K |
| BLUECROSS BLUESHIELD OF NEBRASKA EIN 47-0095156 ADMINISTRATOR | Contract Administrator Service code 13 | — | $15K |
| PAYFLEX SYSTEMS USA, INC. FSA ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 981158 EL PASO, TX 79998 | $13K |
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 | 719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 1,171 | $77K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 719 | $659K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 719 | $659K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 719 | $659K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,171 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.