| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | ATTN OPERATING ACCOUNT PO BOX 441 PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $4K | $65K | 12.61% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 7.10% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $497 | — | $497 | 0.17% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 6.84% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $263 | — | $263 | 0.14% |
| HOLMES MURPHY & ASSOCIATES3 | ATTN OPERATING ACCOUNT DES MOINES, IA 503069207 | EYEMED VISION CARE | $7K | — | $7K | 8.51% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.41% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $33 | — | $33 | 0.07% |
| HOLMES MURPHY & ASSOCIATES3 | ATTN OPERATING ACCOUNT DES MOINES, IA 50306 | EYEMED VISION CARE | $3K | — | $3K | 9.54% |
| HOLMES MURPHY & ASSOCIATES3 | ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | EYEMED VISION CARE | $57 | — | $57 | 9.63% |
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 | 1,169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,477 | $514K |
| Vision(3 contracts) | EYEMED VISION CARE | 1,065 | $116K |
| Life insurance | STANDARD INSURANCE COMPANY | 5,769 | $290K |
| Short-term disability | STANDARD INSURANCE COMPANY | 116 | $45K |
| Long-term disability | STANDARD INSURANCE COMPANY | 431 | $189K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,219 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,769 | — |
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.