| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $60K | $0 | $60K | 4.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $52 | $4K | 2.98% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22 | $22 | 0.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS, LLC | PO BOX 9207 DES MOINES, IA 50306 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 7.68% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS, LLC | PO BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 1.87% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, MD 50302 | VISION SERVICE PLAN | $1K | — | $1K | 5.75% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $134 | — | $134 | 0.74% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGTOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $16 | — | $16 | 0.09% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 196 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 357 | $129K |
| Vision | VISION SERVICE PLAN | 105 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 112 | $63K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 112 | $63K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 112 | $63K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 196 | $1.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 112 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.