| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | — | COVENTRY HEALTH CARE OF IOWA | $34K | $26K | $60K | 5.30% |
| STEVEN G JOHNSON3 | 35989 HIGHWAY 69 STE C FOREST CITY, IA 50436 | AFLAC | $21K | $943 | $22K | 11.97% |
| YOLANDA N HARDEN3 | 501 2ND AVE ROCKFORD, IA 50468 | AFLAC | $10K | $985 | $11K | 5.79% |
| THE TODD GROUP3 | 808 E 18TH STREET CEDAR FALLS, IA 50613 | AFLAC | $5K | $403 | $5K | 2.72% |
| KACY A GRUENKEMEYER3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $647 | $381 | $1K | 0.55% |
| MATTHEW D BUTLER3 | 123 CENTER PARK STE 102 KNOXVILLE, TN 37922 | AFLAC | $523 | $3 | $526 | 0.28% |
| DARRICK A MARCKS3 | 24727 570TH AVE AUSTIN, MN 55912 | AFLAC | $433 | — | $433 | 0.23% |
| RONALD L HOVICK3 | 2214 SW 43RD TERR CAPE CORAL, FL 33914 | AFLAC | $296 | $81 | $377 | 0.20% |
| STEVEN G JOHNSON3 Filed as: STEVEN K BOUCHER | 606 N CLARK ST FOREST CITY, IA 50436 | AFLAC | $310 | — | $310 | 0.17% |
| COREY D CAMPBELL3 | 114 GRANT ST PO BOX 125 COULTER, IA 50431 | AFLAC | $284 | $15 | $299 | 0.16% |
| SCOTT R FRITCHER3 | 9655 NW 74TH PL GRIMES, IA 50111 | AFLAC | $232 | — | $232 | 0.13% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA K STUDER | 115 N JEFFERSON AVE MASON CITY, IA 50401 | AFLAC | $158 | $13 | $171 | 0.09% |
| JAMES A KIFFEL3 | 807 E SUNRISE ST NEW HAMPTON, IA 50659 | AFLAC | $92 | $31 | $123 | 0.07% |
| CAROL J THOMPSON3 | 51717 SUMMERWOOD CT GRANGER, IN 46530 | AFLAC | $100 | — | $100 | 0.05% |
| GERALD L STEPHAN JR3 | 101 N CLARK FOREST CITY, IA 50436 | AFLAC | $92 | — | $92 | 0.05% |
| JAMES L HAYES3 | PO BOX 804 WILLIAMSBURG, IA 52361 | AFLAC | $46 | — | $46 | 0.02% |
| MONICA WENTZ3 Filed as: MONICA G WENTZ | 9307 HAVENBROOKE WAY KNOXVILLE, TN 37922 | AFLAC | $42 | — | $42 | 0.02% |
| JACKOLYN L. CUMMINS3 | 403 S LINCOLN LAKE MILLS, IA 50450 | AFLAC | $33 | — | $33 | 0.02% |
| BETH ZADOW3 | 2400 S SHORE DR CLEAR LAKE, IA 50428 | AFLAC | $20 | $12 | $32 | 0.02% |
| PAUL M MARTINDALE3 | 10255 PRETTY LAKE TRAIL PLYMOUTH, IN 46563 | AFLAC | $30 | — | $30 | 0.02% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $29 | — | $29 | 0.02% |
| GERRIT J VIS3 | 1435 MAIN ST PO BOX 86 ROCK VALLEY, IA 51247 | AFLAC | $26 | — | $26 | 0.01% |
| VIRGINIA A HOVICK3 | 2214 SW 43RD TERR CAPE CORAL, FL 33914 | AFLAC | $23 | — | $23 | 0.01% |
| THE SHARON MILLER AGENCY LLC3 Filed as: SHARON K MILLER | PO BOX 553 LATIMER, IA 50452 | AFLAC | $20 | $3 | $23 | 0.01% |
| COREY D NELSON3 | 215 HIGHWAY 965 NE STE 1 NORTH LIBERTY, IA 52317 | AFLAC | $10 | $11 | $21 | 0.01% |
| CINDY L ANDERSON3 | 18862D 345TH ST FOREST CITY, IA 50436 | AFLAC | $16 | — | $16 | 0.01% |
| JERRY D SIMPSON3 | 1200 E LUCAS ST ALGONA, IA 50511 | AFLAC | $14 | — | $14 | 0.01% |
| JAMIE RAGINS3 Filed as: JAMIE R RAGINS | 4126 STURGIS DR CEDAR FALLS, IA 50613 | AFLAC | $11 | — | $11 | 0.01% |
| MITCHELL J MCCALL3 | 1620 WILLINGTON APT 1101 BEAUMONT, TX 77706 | AFLAC | $9 | — | $9 | 0.00% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $8 | — | $8 | 0.00% |
| JOHN F GLAUB3 | 54369 30TH ST SOUTH BEND, IN 46635 | AFLAC | $8 | — | $8 | 0.00% |
| NANCY S CLAUSSEN3 | 322 E 8TH ST APT 209 SIOUX FALLS, SD 57103 | AFLAC | $4 | — | $4 | 0.00% |
| MELODY B THOMPSON3 | 1206 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $2 | — | $2 | 0.00% |
| ERIC JASON WILLIAMS3 | 808 E 18TH ST CEDAR FALLS, IA 50613 | AFLAC | $1 | — | $1 | 0.00% |
| TRACY L HOSTLER3 | 3500 S PHILLIPS AVE STE 101 SIOUX FALLS, SD 57105 | AFLAC | $1 | — | $1 | 0.00% |
| DONNA R WATSON3 | 876 TANGLEFOOT LN BETTENDORF, IA 52722 | AFLAC | $1 | — | $1 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY, PO BOX 9207 DES MOINES, IA 503069207 | DELTA DENTAL OF IOWA | $5K | $267 | $5K | 5.24% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 500 1ST AVE NE STE 300 CEDAR RAPIDS, IA 52401 | VISION SERVICE PLAN | $1K | — | $1K | 5.05% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | P.O. BOX 9207 DES MOINES, IA 503069207 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $262 | $2K | 13.77% |
| STEVEN R. JOHNSON3 Filed as: STEVEN JOHNSON | P.O. BOX 266 FOREST CITY, IA 50436 | CONTINENTAL AMERICAN INSURANCE COMPANY | $335 | — | $335 | 6.50% |
| THE TODD GROUP3 | 808 E 18TH STREET CEDAR FALLS, IA 50613 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 1.53% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 2427 COVERED BRIDGE BLVD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.64% |
| SCOTT R FRITCHER3 Filed as: SCOTT FRITCHER | 11116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| HEATHER D SWANSON3 Filed as: HEATHER SWANSON | 825 SPRUCE STREET WAUKEE, IA 50263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| BERNARD BRAZEAU3 | 11116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| RONALD L HOVICK3 Filed as: RONALD HOVICK | 2214 SW 43RD TERRACE CAPE CORAL, FL 33914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| KACY A GRUENKEMEYER3 | 11116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | COVENTRY HEALTH CARE OF IOWA | 276 | $1.3M |
| Dental | DELTA DENTAL OF IOWA | 267 | $104K |
| Vision | VISION SERVICE PLAN | 111 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $12K |
| Short-term disability | AFLAC | 261 | $185K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.