| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | AETNA LIFE INSURANCE CO | $19K | — | $19K | 4.06% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50306 | AETNA LIFE INSURANCE CO | $17K | — | $17K | 3.65% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 5360 LEGACY DRIVE BUILDING 3 PLANO, TX 75024 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 1.11% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | ATTN LIEM NGUYEN 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| BENEPLACE, INC.3 Filed as: BENEPLACE, INC | PO BOX 203550 AUSTIN, TX 78720 | ARAG INSURANCE COMPANY | $4K | — | $4K | 10.00% |
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 | 5,105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 3,326 | $166K |
| Life insurance | AETNA LIFE INSURANCE CO | 5,167 | $458K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,042 | $89K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 5,167 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,167 | — |
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.
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.