| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOMES, MURPHY AND ASSOCIATES INC. | UNKNOWN NEW PLYMOUTH, ID 83655 | DELTA DENTAL OF IDAHO | $15K | $0 | $15K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOMES, MURPHY AND ASSOCIATES INC. | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $6K | $18K | 14.21% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOMES, MURPHY AND ASSOCIATES INC. | PO BOX 441 NEW PLYMOUTH, ID 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 2.67% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS GROUP LLC | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOMES, MURPHY AND ASSOCIATES INC. | UNKNOWN OPERATING ACCOUNT DES MOINES, IA 50302 | EYEMED | $1K | $0 | $1K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOMES, MURPHY AND ASSOCIATES INC. | PO BOX 9207 DES MOINES, IA 50306 | EYEMED | $835 | $0 | $835 | 3.05% |
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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 728 | $2.2M |
| Dental | DELTA DENTAL OF IDAHO | 318 | $299K |
| Vision | EYEMED | 705 | $27K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 408 | $127K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 408 | $127K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 408 | $127K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 728 | $2.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 408 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 728 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.