| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY, INC | 5 COWBOYS WAY, SUITE 300-I FRISCO, TX 75034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $83K | — | $83K | 31.62% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 2.37% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $465 | — | $465 | 0.18% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $54K | — | $54K | 22.93% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.68% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $192 | — | $192 | 0.31% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $625 | — | $625 | 1.69% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $118 | — | $118 | 0.32% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY, INC | 5 COWBOYS WAY, SUITE 300-I FRISCO, TX 75034 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 23.46% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 10.70% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $268 | — | $268 | 1.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 22.88% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $289 | — | $289 | 1.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $155 | — | $155 | 1.68% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29 | — | $29 | 0.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF SC EIN 57-0287419 ADMINISTRATION | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $346K |
| BLUECROSS BLUESHIELD OF KANSAS CITY EIN 43-1257251 ADMINISTRATION | Contract Administrator Service code 13 | — | $300K |
| HOLMES MURPHY AND ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 2727 GRAND PRAIRIE PWY WAUKEE, IA 50263 | $97K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ADMINISTRATION | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Named fiduciary; Other services; Direct payment from the plan Service code 12 | — | $60K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 ADMINISTRATION | Contract Administrator Service code 13 | — | $30K |
| 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 | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,163 | $110K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,288 | $37K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 318 | $62K |
| Other(5 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,166 | $546K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,288 | — |
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.