| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | — | $24K | $24K | 5.44% |
| HOLMES MURPHY & ASSOCIATES3 | P O BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $1 | $14K | 3.83% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $3K | $19K | 18.25% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.21% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | P O BOX 441 DES MOINES, IA 50302 | CIGNA DENTAL HEALTH OF TEXAS, INC | $5K | — | $5K | 10.00% |
| HOLMES MURPHY & ASSOCIATES | P O BOX 441 DES MOINES, IA 50302 | EYEMED VISION CARE | $4K | — | $4K | 10.07% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.21% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $662 | — | $662 | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $788 | $5K | 17.61% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $606 | — | $606 | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 18.43% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $606 | — | $606 | 2.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 CLAIMS PROCESSOR | Contract Administrator; Other services; Claims processing Service code 12 | — | $393K |
| HOLMES MURPHY & ASSOCIATES EIN 42-0985055 NONE | Actuarial; Other services; Consulting (general); Accounting (including auditing); Insurance agents and brokers; Insurance services Service code 10 | — | $135K |
| SCOTT KIEDAISCH EMPLOYEE OF PLAN | Employee (plan) Service code 30 | 3824 CEDAR SPRINGS RD 583 DALLAS, TX 75219 | $107K |
| BENEFITS TECHNOLOGY RESOURCES EIN 22-3974809 NONE | Other services; Consulting (general) Service code 16 | — | $25K |
| LANE GORMAN TRUBITT LLC EIN 75-1044330 NONE | Accounting (including auditing) Service code 10 | — | $19K |
| POLSINELLI, PC EIN 68-0589116 NONE | Legal Service code 29 | — | $17K |
| HEALTHCARE IMPACT ASSOCIATES, LLC EIN 46-1243269 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $7K |
| ELIZABETH ENTSMINGER NONE | Consulting (general); Other services Service code 16 | 800 CAROLYN PKWY #312 IRVING, TX 75039 | $7K |
| MOBILE HEALTH CONSUMER, INC. NONE | Consulting (general); Other services Service code 16 | 530 LYTTON AVE STE 200 PALO ALTO, CA 94301 | $6K |
| CONNECT YOUR CARE EIN 46-0891463 NONE | Consulting fees; Other services Service code 49 | — | $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 | 645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 483 | $419K |
| Vision | EYEMED VISION CARE | 451 | $35K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 877 | $162K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $32K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 645 | $59K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 531 | $445K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 877 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.