| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 64108 | STANDARD INSURANCE COMPANY | $26K | $6K | $33K | 1.87% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 0.07% |
| HOLMES MURPHY & ASSOCIATES3 | 201 1ST STREET SE, SUITE 700 CEDAR RAPIDS, IA 52401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $167K | $12K | $179K | 28.96% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY, SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $341 | $0 | $341 | 0.06% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 64108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 3.08% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 4.51% |
| HOLMES MURPHY & ASSOCIATES4 | 1828 WALNUT STREET KANSAS CITY, MO 64108 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 2.90% |
| THOMAS E. ADAMS4 | 1617 SUTTERS MILL DRIVE CARROLLTON, TX 75007 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $507 | $0 | $507 | 1.26% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $418 | $0 | $418 | 1.04% |
| HEALTH AND BENEFIT SYSTEMS, INC.4 Filed as: HEALTH AND BENEFIT SYSTEMS INC | 6363 COLLEGE BOULEVARD OVERLAND PARK, KS 66211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $376 | $0 | $376 | 0.94% |
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 | 2,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 236 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 267 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,886 | $563K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,759 | $1.9M |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,206 | $1.7M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 2,206 | $2.4M |
| 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.