| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | HEALTHPARTNERS ADMINISTRATORS, INC | — | $15K | $15K | 9.10% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER SERVICES, INC | 800 MAIN STREET PO BOX 28 DUBUQUE, IA 52004 | HEALTHPARTNERS ADMINISTRATORS, INC | — | $8K | $8K | 4.63% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, INC | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $2K | $119 | $2K | 3.37% |
| COTTINGHAM & BUTLER3 | PO BOX 28 DUBUQUE, IA 52004 | DELTA DENTAL OF IOWA | $992 | — | $992 | 1.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $585 | $2K | 13.95% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER SERVICES, INC | 800 MAIN STREET DUBUQUE, IA 52002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $686 | — | $686 | 4.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $498 | $2K | 14.68% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER SERVICES, INC | 800 MAIN STREET DUBUQUE, IA 52002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $542 | — | $542 | 3.94% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $972 | $453 | $1K | 11.09% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER SERVICES, INC | 800 MAIN STREET DUBUQUE, IA 52002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $388 | — | $388 | 3.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $867 | $381 | $1K | 11.42% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER SERVICES, INC | 800 MAIN STREET DUBUQUE, IA 52002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $335 | — | $335 | 3.07% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $562 | — | $562 | 7.43% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER SERVICES, INC | PO BOX 28 DUBUQUE, IA 52004 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $261 | — | $261 | 3.45% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS ADMINISTRATORS, INC | 184 | $164K |
| Dental | DELTA DENTAL OF IOWA | 95 | $56K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 140 | $8K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $17K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.