| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 3333 LEE PARKWAY, SUITE 900 DALLAS, TX 75219 | STANDARD INSURANCE COMPANY | $55K | $0 | $55K | 2.25% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $0 | $49K | $49K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 13810 FNB PARKWAY, SUITE 300 OMAHA, NE 68154 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $183K | $2K | $186K | 27.35% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | 11740 SW 68TH PARKWAY, SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $615 | $0 | $615 | 0.09% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | TRANSAMERICA LIFE INSURANCE COMPANY | $126K | $0 | $126K | 39.78% |
| THOMAS OWENS4 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | $0 | $5K | 10.52% |
| HOLMES MURPHY & ASSOCIATES4 | 1828 WALNUT STREET, SUITE 701 KANSAS CITY, MO 64108 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | $0 | $3K | 6.64% |
| THOMAS E. ADAMS4 Filed as: THOMAS E ADAMS | 889 SOUTH GATE ROAD SHREVEPORT, LA 71105 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $379 | $0 | $379 | 0.76% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $316 | $0 | $316 | 0.63% |
| HEALTH AND BENEFIT SYSTEMS, INC.4 Filed as: HEALTH & BENEFIT SYSTEMS, INC. | 6363 COLLEGE BOULEVARD, SUITE 500 OVERLAND PARK, KS 66211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $281 | $0 | $281 | 0.56% |
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 | 2,208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,163 | $449K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,199 | $2.8M |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,199 | $2.4M |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 2,208 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,208 | — |
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."
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.