| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE CO | — | $46K | $46K | 4.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE CO | $16K | $12K | $28K | 2.39% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INS COMPANY | $49K | $8K | $56K | 4.95% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | FIRST RELIANCE STD LIFE INSURANCE C | $5K | — | $5K | 2.60% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE CO | $42K | — | $42K | 49.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE CO | $860 | $3K | $4K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE CO | $3K | $3K | $6K | 8.81% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE CO | $25K | — | $25K | 49.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE CO | $515 | $2K | $3K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES INC. | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE CO OF AMERICA | $2K | — | $2K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES INC. | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE CO OF AMERICA | $2K | — | $2K | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 20.00% |
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 | 5,644 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH SERVICES CORPORATION | 36 | $95K |
| Vision(4 contracts) | FIDELITY SECURITY LIFE INS COMPANY | 5,102 | $879K |
| Life insurance | METROPOLITAN LIFE INS COMPANY | 16,947 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STD LIFE INSURANCE C | 3,452 | $271K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO | 5,357 | $1.2M |
| Prescription drug | HEALTH SERVICES CORPORATION | 36 | $95K |
| Other(9 contracts, 7 carriers) | METROPOLITAN LIFE INS COMPANY | 16,947 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,947 | — |
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."
No prospect flags tripped on this filing.