| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | COMMUNITY INSURANCE COMPANY | $42K | — | $42K | 1.56% |
| NATIONAL UNITED BROKERS3 Filed as: NATIONAL UNITED BROKERS INC. | 4151 EXECUTIVE PARKWAY, SUITE 340 WESTERVILLE, OH 43081 | COMMUNITY INSURANCE COMPANY | — | $162 | $162 | 0.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | ANTHEM LIFE INSURANCE COMPANY | $30K | — | $30K | 12.59% |
| NATIONAL UNITED BROKERS3 Filed as: NATIONAL UNITED BROKERS INC. | 4151 EXECUTIVE PARKWAY, SUITE 340 WESTERVILLE, OH 43081 | ANTHEM LIFE INSURANCE COMPANY | — | $14K | $14K | 5.69% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AMERITAS LIFE INSURANCE CO. | $4K | — | $4K | 2.60% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET, SUITE 700 KANSAS CITY, MO 64108 | AMERITAS LIFE INSURANCE CO. | $3K | — | $3K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM LIFE INSURANCE COMPANY EIN 35-0980405 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | — | $9K |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 232 | $2.7M |
| Dental | AMERITAS LIFE INSURANCE CO. | 589 | $144K |
| Vision | AMERITAS LIFE INSURANCE CO. | 589 | $144K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 337 | $241K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 337 | $241K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 337 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.