| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY, & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | $9K | $661 | $10K | 12.67% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY, & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | VCP SERVICES, INC. | $0 | — | $0 | 0.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | VCP SERVICES, INC. | — | — | $0 | 0.00% |
| DELTA DENTAL OF KANSAS3 | 1619 N. WATERFRONT PARKWAY WICHITA, KS 672789769 | DELTA DENTAL PLAN OF KANSAS, INC. | — | $7K | $7K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $109K |
| HOLMES MURPHY & ASSOCIATES INC. EIN 42-0985055 NONE | Other commissions Service code 55 | — | $19K |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $102K |
| Dental | DELTA DENTAL PLAN OF KANSAS, INC. | 106 | $0 |
| Vision | VCP SERVICES, INC. | 112 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 115 | $78K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 115 | $78K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 115 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.