| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOC LLC | PO BOX 9207 DES MOINES, IA 50306 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $141K | $141K | 3.04% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 0.13% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $4K | $8K | 5.94% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 500 1ST AVENUE NORTHEAST SUITE 300 CEDAR RAPIDS, IA 52401 | VISION SERVICE PLAN | $2K | — | $2K | 1.72% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | VISION SERVICE PLAN | $866 | — | $866 | 0.85% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $7K | 10.94% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 4000 RIVER RIDGE DR NE CEDAR RAPIDS, IA 52402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $450 | — | $450 | 15.00% |
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 | 531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,071 | $4.6M |
| Vision | VISION SERVICE PLAN | 531 | $102K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 585 | $137K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 575 | $67K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,257 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,257 | — |
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.