| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE. 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $20K | $2K | $22K | 8.51% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 4.45% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET, 6TH FL SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 3.61% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $297 | $0 | $297 | 0.11% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 7.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE. 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $7K | $856 | $8K | 6.80% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $272 | $0 | $272 | 0.22% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 5.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE. 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $6K | $429 | $7K | 5.47% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $153 | $0 | $153 | 0.12% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 8.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE. 1600 DALLAS, TX 75231 | STANDARD INSURANCE COMPANY | $2K | $92 | $2K | 8.33% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $22 | $0 | $22 | 0.09% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | ZURICH AMERICAN INSURANCE COMPANY | $150 | $0 | $150 | 15.00% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 178 | $122K |
| Vision | STANDARD INSURANCE COMPANY | 153 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 245 | $123K |
| Long-term disability | STANDARD INSURANCE COMPANY | 245 | $263K |
| Other | ZURICH AMERICAN INSURANCE COMPANY | 245 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.