| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC | 300 WALNUT ST. STE 200 DES MOINES, IA 50309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.89% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $183 | — | $183 | 0.40% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC | 300 WALNUT ST. STE 200 DES MOINES, IA 50309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.67% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $110 | — | $110 | 0.39% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC | 300 WALNUT ST. STE 200 DES MOINES, IA 50309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.78% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $229 | — | $229 | 1.22% |
| REYNOLDS & REYNOLDS INC3 Filed as: REYNOLDS & REYNOLDS, INC | 300 WALNUT ST. STE 200 DES MOINES, IA 50309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $715 | — | $715 | 9.19% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $63 | — | $63 | 0.81% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 55 | $28K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 222 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.