| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST FLOOR 6 SAN DEIGO, CA 92101 | STANDARD INSURANCE COMPANY | $16K | $2K | $18K | 8.64% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 7.47% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $740 | $740 | 0.35% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 4000 RIVER RIDGE DR NE CEDAR RAPIDS, IA 52402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 13.51% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 13.67% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCITES INC | 3001 WESTTOWN PKWY WEST DES MOINES, IA 50266 | UNITED DENTAL CARE OF TEXAS, INC | $792 | — | $792 | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 12712 PARK CENTRAL DRIVE STE 100 DALLAS, TX 75251 | GERBER LIFE AND ACCIDENT INSURANCE COMPANY | $220 | — | $220 | 14.97% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 112 | $116K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 95 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 210 | $96K |
| Long-term disability | STANDARD INSURANCE COMPANY | 209 | $211K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 210 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.