| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIASTAR LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.60% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT ST, STE 701 KANSAS CITY, MO 64108 | RELIASTAR LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.64% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY, STE 300 ALPHARETTA, GA 30009 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.47% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $4K | $0 | $4K | 10.00% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 515 | $653K |
| Vision | VISION SERVICE PLAN | 117 | $38K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 320 | $200K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 320 | $200K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 515 | $653K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 515 | $653K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 320 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.