| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $10K | $15K | 3.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC., INC. | P.O. BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 6.86% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP, LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 4.29% |
| C2 CENTRIC LLC3 | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.86% |
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $85 | $85 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $981K |
| DELTA DENTAL INSURANCE CO. EIN 94-2761537 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $53K |
| DISCOVERY BENEFITS CLAIMS PROCESSING | Claims processing Service code 12 | 4321 20TH AVENUE SOUTH FARGO, ND 58103 | $13K |
| CVS PHARMACY, INC. EIN 05-0340626 CLAIMS PROCESSING | Claims processing Service code 12 | — | $10K |
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 | 3,510 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALPHA DENTAL PROGRAMS, INC. | 291 | $58K |
| Vision | VISION SERVICE PLAN | 1,451 | $166K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,792 | $501K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,792 | $501K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,483 | $360K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,510 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,510 | — |
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.