| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | SYMETRA LIFE INSURANCE COMPANY | — | $81K | $81K | 4.46% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $37K | $18K | $56K | 9.47% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | NEW HAVEN HEADQUARTERS 204 STATE ST NORTH HAVEN, CT 06473 | STANDARD INSURANCE COMPANY | — | $16K | $16K | 2.72% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | — | $7K | $7K | 1.23% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $20K | $17K | $37K | 11.31% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 3.04% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | NEW HAVEN HEADQUARTERS 204 STATE ST NORTH HAVEN, CT 06473 | STANDARD INSURANCE COMPANY | $0 | $9K | $9K | 2.66% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $17K | $39K | 12.36% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $11K | $27K | 11.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORP EIN 36-1236610 NONE | Contract Administrator; Other fees; Claims processing; Direct payment from the plan; Other services Service code 12 | — | $1.8M |
| QUANTUM HEALTH, INC. EIN 20-8423895 NONE | Participant communication; Other fees; Other services; Direct payment from the plan Service code 38 | — | $859K |
| AMERIBEN / IEC GROUP EIN 82-0497661 NONE | Contract Administrator; Other fees; Direct payment from the plan; Claims processing; Other services; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $438K |
| EMPLOYER DIRECT HEALTHCARE, LLC EIN 45-3780484 NONE | Claims processing; Direct payment from the plan; Other services; Contract Administrator; Other fees Service code 12 | — | $183K |
| EHEALTHSCREENINGS, LLC EIN 26-2387917 NONE | Other fees; Other services; Direct payment from the plan; Participant communication Service code 38 | — | $99K |
| MOBILEHEALTHCONSUMER EIN 45-5109459 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Participant communication; Direct payment from the plan; Other services Service code 15 | — | $97K |
| CIGNA EIN 59-1031071 NONE | Claims processing; Contract Administrator; Other fees; Direct payment from the plan; Other services Service code 12 | — | $90K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Other services; Other fees Service code 15 | — | $79K |
| ZELIS NETWORK SOLUTIONS, LLC EIN 58-2167964 NONE | Other fees; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $78K |
| MED-LAB, LLC DBA PICMED WELLNESS EIN 26-3126651 NONE | Direct payment from the plan; Other services; Other fees Service code 49 | — | $67K |
| TELADOC HEALTH, INC EIN 04-3705970 NONE | Direct payment from the plan; Participant communication; Other services; Other fees Service code 38 | — | $59K |
| CAREMARK, LLC EIN 95-3382344 NONE | Other fees; Claims processing; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $58K |
| LANE GORMAN TRUBITT, LLPC EIN 75-1044330 NONE | Direct payment from the plan; Accounting (including auditing); Other fees Service code 10 | — | $27K |
| HEALTH EQUITY, INC. EIN 52-2383166 NONE | Other fees; Direct payment from the plan; Other services; Claims processing Service code 12 | — | $14K |
| MEDICARE CHOICE GROUP EIN 83-2678897 NONE | Consulting fees; Participant communication; Insurance agents and brokers; Consulting (general); Other services Service code 16 | — | $10K |
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 | 4,107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,388 | $303K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 6,616 | $900K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 6,612 | $557K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,568 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,616 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.