| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | P.O. BOX 441 DES MOINES, IA 50302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $310K | $50K | $360K | 3.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $49K | $49K | 0.51% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $30K | $30K | 0.31% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | KAISER FOUNDATION HEALTH PLAN, INC. | $51K | — | $51K | 0.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TEXAS EIN 36-1236610 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $7.8M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $1.9M |
| METROPOLITAN LIFE INS. CO. EIN 13-5581829 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $625K |
| LINCOLN NATIONAL LIFE INS. CO. EIN 35-0472300 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $267K |
| CONNECTYOURCARE CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 307 INTERNATIONAL CIRCLE SUITE 200 HUNT VALLEY, MD 21030 | $102K |
| MERCER HEALTH & BENEFITS ADVISOR | Insurance agents and brokers Service code 22 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60675 | $2K |
| HOLMES, MURPHY & ASSOCIATES ADVISOR | Insurance agents and brokers Service code 22 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 40266 | $739 |
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 | 24,860 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 122 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,897 | $8.9M |
| Vision | VISION SERVICE PLAN | 9,996 | $1.8M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25,480 | $9.6M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25,480 | $9.6M |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25,480 | $10.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,480 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.