| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | GRAVIE ADMINISTRATIVE SERVICES LLC | $30K | $0 | $30K | 2.53% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | — | GRAVIE ADMINISTRATIVE SERVICES LLC | $23K | $0 | $23K | 1.92% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 7.05% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 9207 DES MOINES, IA 50306 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 6.92% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 1.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN 16 FL DALLAS, TX 75231 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $847 | $8K | 7.18% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 13810 FNB PARKWAY STE 300 OMAHA, NE 68154 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $506 | $7K | 6.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $9K | $330 | $9K | 9.59% |
| NATIONAL INSURANCE MARKETING BROKER3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 5.76% |
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 | 623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GRAVIE ADMINISTRATIVE SERVICES LLC | 116 | $1.2M |
| Dental(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,242 | $295K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $115K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 623 | $96K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,242 | $180K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,242 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,242 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.