| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $49K | $0 | $49K | 1.56% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | $10K | $400 | $10K | 3.66% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PL TWO 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 0.37% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & CO LLC | 1350 AVENUE OF THE AMERICAS 18TH FLOOR NEW YORK, NY 10019 | HARTFORD LIFE AND ACCIDENT | $24 | — | $24 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF IOWA | $0 | $2K | $2K | — |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $769 | $30 | $799 | — |
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 | 300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 285 | $3.1M |
| Dental | DELTA DENTAL OF IOWA | 286 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 312 | $281K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 312 | $281K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 285 | $3.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 312 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.