| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 502661321 | RELIASTAR LIFE INSURANCE COMPANY | $222K | $14K | $236K | 10.61% |
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED THOMAS MAXWELL | ACIUS CONSULTING GROUP 2591 DALLAS PARKWAY STE. 203 FRISCO, TX 75034 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $46K | $21K | $67K | 3.39% |
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED THOMAS MAXWELL | ACIUS CONSULTING GROUP 2591 DALLAS PARKWAY STE 203 FRISCO, TX 75034 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $46K | $5K | $51K | 10.28% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR. STE 100 DALLAS, TX 752511527 | VISION SERVICE PLAN | $16K | — | $16K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 8.00% |
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 9207 DES MOINES, IA 503069207 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $6K | — | $6K | 3.61% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY ASSOC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: JHOLMES MURPHY & ASSOCIATES | P O BOX 9207 DES MOINES, IA 503069207 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $94 | — | $94 | 3.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS HEALTH EIN 05-0340626 THIRD PARTY ADMINISTRATOR | Claims processing; Other services Service code 12 | — | $8.8M |
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.9M |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 THIRD PARTY ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | — | $179K |
| LIBERTY LIFE ASSURANCE COMPANY OF B EIN 04-6076039 THIRD PARTY ADMINISTRATOR | Claims processing; Other services 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 | 2,974 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 3,011 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $297K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $297K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,329 | $423K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,359 | $2.0M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,264 | $498K |
| Other(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,359 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.