| 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 | $58K | $4K | $62K | 24.50% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.98% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $764 | $764 | 0.30% |
| 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 | $73K | — | $73K | 34.56% |
| 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 | $23K | — | $23K | 37.45% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $953 | $2K | $3K | 4.76% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $274 | $274 | 0.52% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $83 | — | $83 | 0.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $619 | $786 | $1K | 4.08% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $138 | $138 | 0.40% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $54 | — | $54 | 0.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 10.92% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $224 | — | $224 | 0.95% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 22.41% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $183 | — | $183 | 1.95% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $161 | — | $161 | 1.80% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14 | — | $14 | 0.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF KANSAS CITY EIN 43-1257251 ADMINISTRATION | Contract Administrator Service code 13 | — | $521K |
| HOLMES MURPHY AND ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 2727 GRAND PRAIRIE PWY WAUKEE, IA 50263 | $82K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ADMINISTRATION | Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Other services; Named fiduciary; Participant communication; Non-monetary compensation Service code 12 | — | $58K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 ADMINISTRATION | Contract Administrator Service code 13 | — | $28K |
| THE TABEN GROUP ADMINISTRATION | Contract Administrator Service code 13 | 10875 BENSON, SUITE 130 800-675-7341 OVERLAND PARK, KS 66210 | $10K |
| CONNECTYOURCARE, LLC ADMINISTRATION | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | 307 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | $6K |
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 | 1,263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,158 | $106K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,349 | $34K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 307 | $53K |
| Other(5 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,195 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,349 | — |
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.