| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $58K | $58K | 5.38% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFIT | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $16K | — | $16K | 1.51% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT ST. STE 701 KANSAS CITY, MO 641082150 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 9.81% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 1.28% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | ARAG SERVICES, LLC | $2K | — | $2K | 9.58% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | FOUR EVER LIFE INS CO. | $1K | — | $1K | 15.01% |
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 | 1,867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,890 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 0 | $7K |
| Vision | EYEMED VISION CARE | 2,694 | $217K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,867 | $1.1M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,867 | $1.1M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,867 | $1.1M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 805 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,694 | — |
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.