| 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 | SYMETRA LIFE INSURANCE COMPANY | $27K | $2K | $29K | 16.07% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | SYMETRA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| 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 | $39K | — | $39K | 35.43% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 23.14% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 2.01% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY INC | 2770 MAIN STREET, SUITE 228 FRISCO, TX 75033 | SYMETRA LIFE INSURANCE COMPANY | $25K | $942 | $26K | 28.02% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66209 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.82% |
| 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 | $9K | — | $9K | 29.92% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $570 | — | $570 | 1.85% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $50 | — | $50 | 0.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $326 | — | $326 | 1.86% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28 | — | $28 | 0.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 11.18% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $123 | — | $123 | 0.97% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 23.29% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $135 | — | $135 | 2.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $84 | — | $84 | 1.86% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7 | — | $7 | 0.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF KANSAS CITY EIN 43-1257251 ADMINISTRATION | Contract Administrator Service code 13 | — | $475K |
| 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 | Other services; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation; Float revenue; Named fiduciary; Contract Administrator Service code 12 | — | $33K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 ADMINISTRATION | Contract Administrator Service code 13 | — | $25K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 ADMINISTRATION | Contract Administrator Service code 13 | — | $19K |
| THE TABEN GROUP ADMINISTRATION | Contract Administrator Service code 13 | 10875 BENSON, SUITE 130 800-675-7341 OVERLAND PARK, KS 66210 | $5K |
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 | 1,113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,070 | $102K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,609 | $199K |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,094 | $213K |
| Other(7 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,150 | $513K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,609 | — |
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.