| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | AETNA LIFE INSURANCE CO. | $8K | $7K | $15K | 0.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY HOUSTON, TX 77024 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.17% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $5K | $902 | $6K | 11.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | ATTN AUSTIN PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.94% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $122 | $122 | 0.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $2K | $630 | $3K | 7.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | ATTN AUSTIN PO BOX 61187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $522 | — | $522 | 1.44% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MA 49516 | STANDARD INSURANCE COMPANY | — | $85 | $85 | 0.23% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. | 7600-B NORTH CAPITAL OF TEXAS HIGHW AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.93% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $790 | — | $790 | 8.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. | 7600-B NORTH CAPITAL OF TEXAS HIGHW SUITE 200 AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $524 | — | $524 | 5.80% |
No Schedule C service providers reported on this filing.
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 226 | $1.6M |
| Dental | AETNA LIFE INSURANCE CO. | 226 | $1.6M |
| Life insurance | STANDARD INSURANCE COMPANY | 142 | $36K |
| Long-term disability | STANDARD INSURANCE COMPANY | 142 | $49K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 142 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.