| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $38K | $6K | $45K | 11.52% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | $0 | $46K | 14.10% |
| HODGES-MACE LLC3 Filed as: HODGES MACE LLC | 5775 EAST GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $831 | $2K | 0.61% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.32% |
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 | 872 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 441 | $388K |
| Vision | VISION SERVICE PLAN | 401 | $70K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 872 | $328K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 872 | $328K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 872 | $328K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 872 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.