| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 700 KANSAS CITY, MO 64108 | HM LIFE INSURANCE COMPANY | — | $51K | $51K | 1.96% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | METROPOLITAN LIFE INSURANCE COMPANY | $259K | $135 | $259K | 10.91% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1820 WALNUT STREET KANSAS CITY, MO 64108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $116K | $116K | 4.87% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATION INC. | ATTN OPERATING ACCOUNT P.O. BOX 441 DES MOINES, IA 50302 | METLIFE LEGAL PLANS | $4K | — | $4K | 18.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATION INC. | P.O. BOX 9207 DES MOINES, IA 50306 | METLIFE LEGAL PLANS | — | $28 | $28 | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 CLAIMS PROCESSING | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Foreign entity (e.g., an agent or broker, bank, insurance company, etc. not operating within jurisdictional boundaries of the United States); Claims processing; Other services Service code 12 | — | $5.6M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $249K |
| HOLMES MURPHY & ASSOCIATES INSURANCE AGENT | Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 3333 LEE PARKWAY SUITE 900 DALLAS, TX 75219 | $246K |
| CARELONRX, INC. EIN 82-3062245 CLAIMS PROCESSING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | $0 |
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 | 5,363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,901 | $2.5M |
| Dental | HMSA | 12 | $75K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,887 | $596K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,901 | $2.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,901 | $2.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,901 | $2.4M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 3,701 | $2.6M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,901 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,901 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.