| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | BLUECROSS BLUESHIELD OF KANSAS CITY | $50K | $126K | $176K | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $69K | $69K | 16.74% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | RELIASTAR LIFE INSURANCE COMPANY | $68K | $0 | $68K | 16.36% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | COMBINED INSURANCE | $4K | $0 | $4K | 10.43% |
No Schedule C service providers reported on this filing.
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 | 1,284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 1,309 | $8.6M |
| Vision | VISION SERVICE PLAN | 856 | $83K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,501 | $414K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,501 | $414K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,501 | $414K |
| Prescription drug | BLUECROSS BLUESHIELD OF KANSAS CITY | 1,309 | $8.6M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,501 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,501 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.