| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $7K | $44K | 8.58% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 752511527 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 6.59% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 8.27% |
| BENEFIT ADVISORS SERVICES GROUP LLC Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PKWY, SUITE 375 ALPHARETTA, GA 30009 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.67% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 8.18% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PKWY, SUITE 375 ALPHARETTA, GA 30009 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.65% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.61% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $344 | — | $344 | 10.68% |
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $279K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 509 | $788K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,217 | $69K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 468 | $153K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 469 | $155K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 99 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,217 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.