| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | $27K | — | $27K | 2.78% |
| R W GARRETT AGENCY Filed as: RW GARRETT AGENCY | 2201 WOODLAWN RD LINCOLN, IL 62656 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | $14K | $750 | $15K | 1.53% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | DEARBORN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.06% |
| R W GARRETT AGENCY Filed as: RW GARRETT AGENCY | 2201 WOODLAWN RD LINCOLN, IL 62556 | DEARBORN LIFE INSURANCE COMPANY | $2K | $3K | $4K | 8.94% |
| GROUP MARKETING SERVICES INC Filed as: GROUP MARKETING SERVICE INC | 2201 WOODLAWN RD LINCOLN, IL 62656 | DEARBORN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.38% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 61759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $312 | $3K | 13.58% |
| MIDWESTERN INS ASSOC AGY INC Filed as: MIDWESTERN INSURANCE ASSOC AGENCY | PO BOX 410 MINIER, IL 61759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $917 | $15 | $932 | 4.24% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $562 | $0 | $562 | 3.69% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | DELTA DENTAL | $5K | — | $5K | 83.89% |
| MIDWESTERN INS ASSOC AGY INC Filed as: MIDWESTERN INSURANCE ASSOC AGENCY | PO BOX 410 MINIER, IL 61759 | DELTA DENTAL | $882 | — | $882 | 16.11% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $367 | $64 | $431 | 8.10% |
| MIDWESTERN INS ASSOC AGY INC Filed as: MIDWESTERN INSURANCE ASSOC AGENCY | PO BOX 410 MINIER, IL 61759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $165 | $6 | $171 | 3.21% |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 225 | $963K |
| Dental | DELTA DENTAL | 95 | $5K |
| Vision | VISION SERVICE PLAN | 81 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $27K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 39 | $49K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 39 | $49K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 225 | $963K |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 143 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.