| 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 50306 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | $9K | $68K | 10.73% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $0 | $33K | 5.43% |
| C2 CENTRIC LLC3 | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 1.81% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 9.61% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PKWY, STE 375 ALPHARETTA, GA 30009 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.08% |
| C2 CENTRIC LLC3 | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $295 | $0 | $295 | 0.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 12712 PARK CENTAL DR, STE 100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 6.57% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | P.O. BOX 9207 DES MOINES, IA 50306 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 3.42% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 10.03% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PKWY, STE 375 ALPHARETTA, GA 30009 | STANDARD INSURANCE COMPANY | $936 | $0 | $936 | 2.00% |
| C2 CENTRIC LLC3 | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $190 | $0 | $190 | 0.41% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY OF NEW YORK | $446 | $0 | $446 | 11.04% |
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 | 472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 31 | $297K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,090 | $931K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,180 | $73K |
| Life insurance(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 486 | $454K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 250 | $89K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 470 | $613K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,180 | — |
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.