| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT ST. STE 701 KANSAS CITY, MO 64108 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $107K | $107K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIASTAR LIFE INSURANCE COMPANY | $46K | $0 | $46K | 2.14% |
| RINGMASTER INSURANCE AGENCY LLC3 | 5200 TOWN CENTER CIR BOCA RATON, FL 33486 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.05% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $64 | $66K | 5.73% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $13K | $37K | 3.17% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $30 | $22K | 1.94% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $93 | $93 | 0.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $4K | $41K | 10.60% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $54 | $54 | 0.01% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $64 | $45K | 26.95% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $3K | $37K | 21.73% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.31% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $64 | $12K | 10.38% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $5K | 4.64% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $30 | $4K | 3.38% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.01% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $64 | $37K | 34.91% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $1K | $21K | 20.06% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | $3K | $3K | 3.01% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $64 | $33K | 35.09% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $1K | $18K | 19.15% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.96% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 10.67% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR #100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $10 | $10 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE STE 1600 DALLAS, TX 75231 | UNITED HEALTHCARE INSURANCE COMPANY | $299 | $0 | $299 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Other fees; Claims processing; Direct payment from the plan; Float revenue Service code 12 | — | $7.3M |
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.5M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $138K |
| TAXSAVER PLAN EIN 57-1136767 ADMINISTRATOR | Plan Administrator Service code 14 | — | $42K |
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 | 3,280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 165 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | MERITAIN HEALTH | 764 | $881K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 6,172 | $1.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 6,466 | $390K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,625 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 416 | $113K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,625 | $1.2M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,258 | $2.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,625 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,625 | — |
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.
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.