| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 4000 RIVER RIDGE DRIVE, NORTHEAST CEDAR RAPIDS, IA 52402 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $378K | — | $378K | 10.18% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 502661328 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $154K | — | $154K | 4.14% |
| HATTERAS5 | 56 PARK ROAD TINTON FALLS, NJ 07724 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 0.36% |
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 9207 DES MOINES, IA 50306 | EYEMED | $69K | — | $69K | 9.84% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 9207 DES MOINES, IA 50306 | AETNA LIFE INSURANCE COMPANY | $27K | — | $27K | 5.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $3.9M |
| CIGNA HEALTH & LIFE INS. CO. EIN 59-1031071 CLAIMS PROCESSING | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $225K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $79K |
| CVS HEALTH EIN 05-0340626 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $12K |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 ADMINISTRATOR | Contract Administrator Service code 13 | — | $3K |
| CIGNA | Contract Administrator; Direct payment from the plan; Investment management fees paid indirectly by plan; Other services; Participant communication; Non-monetary compensation; Claims processing; Named fiduciary; Float revenue Service code 12 | — | $0 |
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 | 8,869 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,114 | $5.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,479 | $537K |
| Vision(2 contracts, 2 carriers) | EYEMED | 10,826 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 14,472 | $4.3M |
| Short-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 14,472 | $3.7M |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 14,472 | $3.7M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,232 | $562K |
| Other | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 14,472 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,472 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.