| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $28 | $12K | 1.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | — | $485 | $485 | 0.08% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES - MACE BENEFITS GROUP INC | 5775-D GLENRIDGE DRIVE SUITE 350 ATLANTA, GA 30328 | RELIASTAR LIFE INSURANCE COMPANY | $18K | — | $18K | 4.90% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET SUITE 701 KANSAS CITY, MO 64108 | RELIASTAR LIFE INSURANCE COMPANY | $18K | — | $18K | 4.90% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 32.45% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC | PO BOX 441 ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.21% |
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 | 1,377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 65 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,493 | $629K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,543 | $74K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,493 | $629K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 514 | $114K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 514 | $114K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,217 | $553K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,493 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,493 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.