| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 4.45% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 3.60% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | EYEMED VISION CARE | $9K | — | $9K | 9.98% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | EYEMED VISION CARE | $61 | — | $61 | 8.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $740K |
| DELTA DENTAL OF NEBRASKA EIN 47-0685003 DENTAL ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $29K |
| NEBRASKA METHODIST HEALTH SYSTEM EIN 47-0639839 EAP ADMINISTRATOR | Contract Administrator Service code 13 | — | $19K |
| BLUECROSS BLUESHIELD NEBRASKA EIN 47-0095156 ADMINISTRATOR | Contract Administrator Service code 13 | — | $17K |
| INSPIRA FINANCIAL FSA ADMINISTRATOR | Contract Administrator Service code 13 | 11819 MIAMI STREET, 200 OMAHA, NE 68164 | $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 | 828 | 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) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 1,329 | $91K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 818 | $813K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 818 | $813K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 818 | $813K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,329 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.