| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 7800 E ORCHARD RD STE 230 SOUTH GREENWOOD VILLAGE, CO 80111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $135K | $0 | $135K | 5.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 1828 WALNUT ST STE 700 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $25K | $25K | 0.99% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST SUITE 801 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $0 | $22K | 0.86% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $14K | $14K | 0.56% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 503020441 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.03% |
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 | 6,424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 147 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 265 | $3.7M |
| Vision | VISION SERVICE PLAN | 1,949 | $195K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,424 | $2.5M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,424 | $2.5M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,424 | $2.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,424 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,424 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.