| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | COVENTRY HEALTH AND LIFE | $15K | — | $15K | 2.14% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT CONSULTANTS INC. | 412 WATER STREET SIOUX CITY, IA 51103 | COVENTRY HEALTH AND LIFE | $15K | — | $15K | 2.09% |
| HOLMES MURPHY & ASSOCIATES3 | 5120 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $737 | — | $737 | 1.17% |
| INNOVATIVE BNFT CONSULTANTS3 Filed as: INNOVATIVE BENEFITS CONSULTANTS | 412 WATER STREET SIOUX CITY, IA 51103 | DELTA DENTAL OF SOUTH DAKOTA | $690 | — | $690 | 1.10% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT CONSULTANTS | 412 WATER STREET SIOUX CITY, IA 51103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.11% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $837 | — | $837 | 3.89% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT CONSULTANTS | 412 WATER STREET SIOUX CITY, IA 51103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $884 | — | $884 | 4.59% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $353 | — | $353 | 1.83% |
| SELECT NETWORKS3 | 317 6TH AVENUE, SUITE 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BUSINESS CONSULTANTS | 412 WATER STREET SIOUX CITY, IA 51103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $721 | — | $721 | 5.28% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $643 | — | $643 | 4.71% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH AND LIFE | 230 | $706K |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 191 | $63K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 149 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $22K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.