| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55K | — | $55K | 20.40% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DEPT 999228 DENVER, CO 80217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.24% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43K | — | $43K | 20.81% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DEPT 999228 DENVER, CO 80217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.04% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.78% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $691 | — | $691 | 1.00% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $441 | — | $441 | 1.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.26% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | $471 | $711 | $1K | 4.37% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 20.62% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DEPT 999228 DENVER, CO 80217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $245 | — | $245 | 2.20% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $75 | — | $75 | 0.67% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $999 | — | $999 | 9.97% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $205 | — | $205 | 2.04% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $79 | — | $79 | 0.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SC EIN 57-0287419 ADMINISTRATION | Contract Administrator Service code 13 | — | $641K |
| HOLMES MURPHY AND ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 2727 GRAND PRAIRIE PWY WAUKEE, IA 50263 | $113K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ADMINISTRATION | Float revenue; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $69K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 ADMINISTRATION | Contract Administrator Service code 13 | — | $29K |
| THE TABEN GROUP ADMINISTRATION | Contract Administrator Service code 13 | 10875 BENSON, SUITE 130 800-675-7341 OVERLAND PARK, KS 66210 | $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 | 1,321 | 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) | 1,330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,198 | $56K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,712 | $44K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $96K |
| Other(5 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,237 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,712 | — |
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."
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.