| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | P.O. BOX 441 DES MOINES, IA 503020441 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 2.05% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $101K | — | $101K | 9.87% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT STREET SUITE 701 KANSAS CITY, MO 64108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | — | $21K | 2.02% |
| BENEFIT ADVISOR SERVICES GROUP LLC3 Filed as: BENEFIT ADVISOR SERVICES GROUP, LLC | 1125 SANCTUARY PARKWAY SUIT 300 ALPHARETTA, GA 30009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18 | — | $18 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | P.P. BOX 9207 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $142K | — | $142K | 15.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $39K | $39K | 4.10% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $20K | $20K | 2.16% |
| BENEFIT ADVISORS SVC GRP LLC3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 1.41% |
| HOLMES MURPHY & ASSOCIATES4 | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $4K | — | $4K | 20.47% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $2K | $2K | 19.99% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 1,380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,167 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,120 | $1.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,120 | $1.0M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,380 | $943K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,380 | $943K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,380 | $943K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,167 | $1.3M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,409 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,167 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.