| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | THE GUARDIAN LIFE INSURANCE COMPANY | $322K | $9K | $331K | 3.07% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 12712 PARK CENTRAL DRIVE DALLAS, TX 75251 | QBE INSURANCE | — | $200K | $200K | 6.00% |
| UMR, INC.3 Filed as: UMR | 115 W WAUSAU AVENUE WAUSAU, WI 54401 | QBE INSURANCE | — | $1K | $1K | 0.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | P.O. BOX 441 DES MOINES, IA 50302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 2.96% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.68% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DRIVE UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $162 | $3K | 1.43% |
| JAMES H. VAN EPPS3 | 10930 CRABAPPLE ROAD SUITE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $162 | $3K | 1.43% |
| ROWE, CRAIG, KENDALL3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.05% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 6.06% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.71% |
| ROWE, CRAIG, KENDALL3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $3.8M |
| CIGNA HEALTH & LIFE INS. CO. EIN 59-1031071 CLSIMS PROCESSING | Claims processing Service code 12 | — | $315K |
| HOLMES MURPHY | Insurance agents and brokers Service code 22 | — | $11K |
| CIGNA | Contract Administrator; Shareholder servicing fees; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Participant loan processing; Other services Service code 12 | — | $0 |
| HOLMES MURPHY & ASSOCIATES, LLC BROKER | Insurance agents and brokers Service code 22 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | $0 |
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 | 9,985 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,997 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 6,401 | $808K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 9,985 | $11.0M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 9,985 | $10.8M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 9,985 | $10.8M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 7,188 | $3.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 9,985 | $10.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,985 | — |
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."
No prospect flags tripped on this filing.