| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $1K | $16K | 10.57% |
| HOLMES MURPHY & ASSOCIATES3 | ATTN OPERATING ACCOUNT P.O. BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $3K | $23K | 17.10% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 | ATTN OPERATING ACCOUNT P.O. BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $8K | 11.97% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | ATTN OPERATING ACCOUNT P.O. BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 18.39% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $921 | $921 | 1.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | ATTN OPERATING ACCOUNT P.O. BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 18.34% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 64108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $639 | $639 | 1.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | ATTN OPERATING ACCOUNT P.O. BOX 441 DES MOINES, IA 50302 | EYEMED VISION CARE | $2K | — | $2K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 | ATTN OPERATING ACCOUNT P.O. BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $947 | $143 | $1K | 17.26% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $126 | $126 | 1.99% |
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 | 368 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $150K |
| Vision | EYEMED VISION CARE | 384 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 368 | $137K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $64K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 206 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.