| 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 | $469K | $57K | $526K | 4.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$49K | -$49K | -0.38% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TEXAS EIN 36-1236610 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $7.9M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $1.6M |
| METROPOLITAN LIFE INS. CO. EIN 13-5581829 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $639K |
| LINCOLN NATIONAL LIFE INS. CO. EIN 35-0472300 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $289K |
| CONNECTYOURCARE (OPTUM) CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 307 INTERNATIONAL CIRCLE SUITE 200 HUNT VALLEY, MD 21030 | $110K |
| HOLMES, MURPHY & ASSOCIATES ADVISOR | Insurance agents and brokers Service code 22 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 40266 | $1K |
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 | 25,362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,833 | $8.6M |
| Vision | VISION SERVICE PLAN | 16,176 | $2.1M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25,383 | $12.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25,383 | $12.7M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25,383 | $13.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,383 | — |
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.