| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT ST SUITE 801 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $129K | $129K | 2.30% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 1828 WALNUT ST STE 700 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $51K | $51K | 0.91% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 0.12% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 701 KANSAS CITY, MO 641082150 | RELIASTAR LIFE INSURANCE COMPANY | — | $138K | $138K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | RELIASTAR LIFE INSURANCE COMPANY | $97K | $0 | $97K | 3.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | RELIASTAR LIFE INSURANCE COMPANY | $56K | $0 | $56K | 2.03% |
| RINGMASTER INSURANCE AGENCY LLC3 | 5200 TOWN CENTER CIR STE 540 BOCA RATON, FL 334861018 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 0.04% |
| PEACHTREE PLANNING OF GEORGIA3 Filed as: THE GUARDIAN LIFE INSURANCE COMPANY | 10 HUDSON YARDS NEW YORK, NY 10001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $570 | $570 | 0.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INVESTMENT SECURITIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $254 | $49K | 3.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 21 ROLLING MDWS, IL 60008 | AMERITAS LIFE INSURANCE CORP. | — | $22K | $22K | 1.87% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST SUITE 801 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $323 | $323 | 2.46% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $62 | $62 | 0.47% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 1828 WALNUT ST SUITE 801 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | — |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $639 | $639 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 CLAIMS ADMINISTRATION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Consulting (general); Insurance services; Direct payment from the plan; Other fees; Contract Administrator Service code 12 | — | $2.2M |
| HOLMES MURPHY AND ASSOCIATES BROKER | Insurance brokerage commissions and fees; Other commissions; Other fees; Insurance agents and brokers; Non-monetary compensation Service code 22 | 3333 LEE PKWY #900 DALLAS, TX 75219 | $202K |
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 | 5,509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,563 | $24.7M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 2,576 | $7.4M |
| Vision(8 contracts) | VISION SERVICE PLAN | 3,742 | $5.6M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,784 | $7.1M |
| Short-term disability(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,784 | $5.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,784 | $5.6M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 3,413 | $2.8M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,784 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,784 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.