| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $3K | $15K | 6.64% |
| BENEFITS ADVISORS SERVICES GROUP3 | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.72% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES INC | 2637 S 158TH PLAZA, SUITE 200 OMAHA, NE 68130 | AMERITAS LIFE INSURANCE CORPORATION | — | $976 | $976 | 2.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL EIN 48-0793267 DENTAL ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $20K |
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 | 503 | 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) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,197 | $4.3M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,128 | $38K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 503 | $220K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 503 | $220K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 503 | $220K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 503 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,197 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.