| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | SYMETRA LIFE INSURANCE COMPANY | $62K | $6K | $69K | 31.95% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66209 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 3.26% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | SYMETRA LIFE INSURANCE COMPANY | — | $5K | $5K | 2.46% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY INC | 2770 MAIN STREET, SUITE 228 FRISCO, TX 75033 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 0.63% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 9207 DES MOINES, IA 50306 | SYMETRA LIFE INSURANCE COMPANY | $61K | $13K | $75K | 35.87% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | SYMETRA LIFE INSURANCE COMPANY | $8K | — | $8K | 3.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | — | -$4K | -$4K | -1.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF KANSAS CITY EIN 43-1257251 ADMINISTRATION | Contract Administrator Service code 13 | — | $319K |
| HOLMES MURPHY AND ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 2727 GRAND PRAIRIE PWY WAUKEE, IA 50263 | $82K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 ADMINISTRATION | Contract Administrator Service code 13 | — | $37K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 ADMINISTRATION | Contract Administrator Service code 13 | — | $22K |
| PAYLOCITY ADMINISTRATION | Contract Administrator Service code 13 | 1400 AMERICAN LANE 800-520-2687 SCHAUMBURG, IL 60173 | $9K |
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 | 1,136 | 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) | 1,142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,034 | $97K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,020 | $208K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,020 | $208K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 1,136 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,136 | — |
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.