| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9K | $9K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $4K | $8K | 6.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 13810 FNB PARKWAY OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORP. | $14K | $3K | $16K | 11.94% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $3K | $16K | 24.60% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $3K | $7K | 10.30% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $2K | $13K | 24.10% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $3K | $5K | 10.05% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $11K | 23.87% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $5K | 9.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMINISTRATOR | Contract Administrator Service code 13 | — | $284K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $262K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 DENTAL ADMINISTRATOR | Contract Administrator Service code 13 | — | $61K |
| MATRIX ABSENCE MANAGEMENT, INC. EIN 77-0493584 CLAIMS PROCESSING | Claims processing Service code 12 | — | $25K |
| HOLMES MURPHY & ASSOCIATES INC EIN 42-0985055 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| OPTUMHEALTH FINANCIAL SERVICES EIN 47-0858530 ADMINISTRATOR | Contract Administrator Service code 13 | — | $10K |
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 | 1,082 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,086 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,498 | $136K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,082 | $209K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,082 | $184K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 263 | $1.2M |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,082 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,498 | — |
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.