| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN RD. STE 405 SCOTTSDALE, AZ 85255 | SYMETRA LIFE INSURANCE COMPANY | — | $19K | $19K | 3.70% |
| HOLMES MURPHY & ASSOCIATES3 | P O BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 3.72% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | P O BOX 441 DES MOINES, IA 50302 | AMERICAN UNITED LIFE INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST, STE 801 KANSAS CITY, MO 64108 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | P O BOX 441 DES MOINES, IA 50302 | CIGNA DENTAL HEALTH OF TEXAS, INC | $4K | — | $4K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.96% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $663 | — | $663 | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 | P O BOX 441 DES MOINES, IA 50302 | FIDELITY SECURITY LIFE INS COMPANY | $2K | — | $2K | 7.54% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.96% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $400 | — | $400 | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.96% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $228 | — | $228 | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.96% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $207 | — | $207 | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 14.96% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $177 | — | $177 | 2.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 CLAIMS PROCESSOR | Other services; Contract Administrator; Claims processing Service code 12 | — | $356K |
| HOLMES MURPHY & ASSOCIATES EIN 42-0985055 NONE | Insurance services; Other services; Insurance agents and brokers; Actuarial; Consulting (general); Accounting (including auditing) 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 | Consulting (general); Other services Service code 16 | — | $48K |
| LANE GORMAN TRUBITT LLC EIN 75-1044330 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| CLAIMS-X-CHANGE, LLC NONE | Consulting (general); Other services Service code 16 | 14200 MIDWAY RD, STE 106 DALLAS, TX 75244 | $22K |
| POLSINELLI, PC EIN 68-0589116 NONE | Legal Service code 29 | — | $18K |
| MOBILE HEALTH CONSUMER, INC. NONE | Consulting (general); Other services Service code 16 | 530 LYTTON AVE STE 200 PALO ALTO, CA 94301 | $9K |
| HEALTH E(FX) NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 11432 LACKLAND ROAD SAINT LOUIS, MO 63146 | $7K |
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 | 548 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 50 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 446 | $384K |
| Vision | FIDELITY SECURITY LIFE INS COMPANY | 828 | $32K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 881 | $209K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 574 | $168K |
| Long-term disability(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 641 | $176K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 511 | $510K |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 881 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 881 | — |
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.