| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $25K | $0 | $25K | 1.26% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.10% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101K | $0 | $101K | 18.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 201 1ST STREET SE, SUITE 700 CEDAR RAPIDS, IA 52401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $92K | $0 | $92K | 27.00% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | $0 | $3K | 4.62% |
| HOLMES MURPHY & ASSOCIATES4 Filed as: HOLMES MURPHY AND ASSOCIATES | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 2.94% |
| THOMAS E. ADAMS4 | 1617 SUTTERS MILL DRIVE CARROLLTON, TX 75007 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $817 | $0 | $817 | 1.48% |
| LOCKTON COMPANIES, LLC4 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $753 | $0 | $753 | 1.37% |
| HEALTH AND BENEFIT SYSTEMS, INC.4 Filed as: HEALTH AND BENEFIT SYSTEMS INC | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $691 | $0 | $691 | 1.25% |
| VERNA HEATH4 | 1355 WROTHAM LANE CHANNELVIEW, TX 77530 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $24 | $0 | $24 | 0.04% |
| JASON WILSON4 | 1530 EAST 5TH STREET PUEBLO, CO 81001 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $16 | $0 | $16 | 0.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $152 | $152 | 0.57% |
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 | 2,320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 310 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 46 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,338 | $664K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,759 | $2.5M |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,323 | $2.0M |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 2,759 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,759 | — |
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.