| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES | PO BOX 9207 DESMOINES, IA 50306 | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | $46K | $0 | $46K | 1.37% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 3.77% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & CO LLC | 1350 AVENUE OF THE AMERICAS 18TH FLOOR NEW YORK, NY 10019 | HARTFORD LIFE AND ACCIDENT | $58 | — | $58 | 0.02% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | VERATRUS BENEFIT SOLUTIONS | $2K | — | $2K | 9.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $136 | $3K | 19.40% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSCOITATES INC | 2637 S 158TH PLZ STE 200 OMAHA, NE 68130 | METROPOLITAN LIFE INSURANCE COMPANY | $774 | $0 | $774 | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $0 | $29 | $29 | — |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $84 | $1K | — |
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 | 284 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 265 | $3.3M |
| Dental | DELTA DENTAL OF IOWA | 270 | $0 |
| Vision | VERATRUS BENEFIT SOLUTIONS | 122 | $23K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 290 | $236K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 290 | $236K |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 265 | $3.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 290 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.