| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PKWY, PO BOX 9207 DES MOINES, IA 50306 | UNITED CONCORDIA INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | UNITED CONCORDIA INSURANCE COMPANY | — | $7K | $7K | 4.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PKWY PO BOX 9207 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.11% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | VISION SERVICE PLAN | $5K | — | $5K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | TOKIO MARINE HCC | $4K | $2K | $6K | 13.60% |
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 | 263 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 218 | $168K |
| Vision | VISION SERVICE PLAN | 312 | $53K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $79K |
| Stop-loss / reinsurancereinsurance | SWISS RE | 292 | $405K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.