| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | — | COVENTRY HEALTH CARE OF IOWA | $29K | $5K | $34K | 3.29% |
| STEVEN G JOHNSON3 | 35989 HIGHWAY 69 STE C FOREST CITY, IA 50436 | AFLAC | $21K | $823 | $22K | 13.53% |
| THE TODD GROUP3 | 602 MAIN ST STE 200 CEDAR FALLS, IA 50613 | AFLAC | $4K | $209 | $4K | 2.42% |
| YOLANDA N HARDEN3 | 501 2ND AVE ROCKFORD, IA 50468 | AFLAC | $1K | $319 | $1K | 0.87% |
| R MCWILLIAMS3 | 1116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $1K | — | $1K | 0.65% |
| MATTHEW D BUTLER3 | 123 CENTER PARK STE 102 KNOXVILLE, TN 37922 | AFLAC | $415 | — | $415 | 0.26% |
| SCOTT R FRITCHER3 Filed as: SCOTT FRITCHER | NW 74TH PL GRIMES, IA 50111 | AFLAC | $263 | $13 | $276 | 0.17% |
| RONALD L HOVICK3 | 2214 SW 43RD TERR CAPE CORAL, FL 33914 | AFLAC | $143 | $21 | $164 | 0.10% |
| KACY A GRUENKEMEYER3 | 5530 WEST PKWY STE 100 JOHNSTON, IA 50131 | AFLAC | $133 | — | $133 | 0.08% |
| GERALD L STEPHAN JR3 | 101 N CLARK FOREST CITY, IA 50436 | AFLAC | $73 | — | $73 | 0.05% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA K STUDER | 115 N JEFFERSON AVE MASON CITY, IA 50401 | AFLAC | $47 | $3 | $50 | 0.03% |
| JAMES L HAYES3 | 1449 MARILYN DR NORTH LIBERTY, IA 52317 | AFLAC | $43 | — | $43 | 0.03% |
| VIRGINIA A HOVICK3 | 2214 SW 43RD TER CAPE CORAL, FL 33914 | AFLAC | $41 | — | $41 | 0.03% |
| AUSTIN J PETERSON3 Filed as: AUSTIN PETERSON | 1116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $26 | $13 | $39 | 0.02% |
| CAROL J THOMPSON3 | 51717 SUMMERWOOD CT GRANGER, IN 46530 | AFLAC | $35 | — | $35 | 0.02% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $29 | — | $29 | 0.02% |
| BETH ZADOW3 | 1300 7TH PL N CLEAR LAKE, IA 50428 | AFLAC | $27 | — | $27 | 0.02% |
| GERRIT J VIS3 | 1435 MAIN ST PO BOX 86 ROCK VALLEY, IA 51247 | AFLAC | $24 | — | $24 | 0.01% |
| STEVEN G JOHNSON3 Filed as: STEVEN K BOUCHER | PO BOX 455 MASON CITY, IA 50402 | AFLAC | $22 | — | $22 | 0.01% |
| MONICA WENTZ3 Filed as: MONICA G WENTZ | 790 N CEDAR BLUFF RD APT 2419 KNOXVILLE, TN 37923 | AFLAC | $16 | — | $16 | 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% |
| HEATHER D SWANSON3 Filed as: HEATHER SWANSON | 4608 67TH ST URBANDALE, IA 50322 | AFLAC | $12 | — | $12 | 0.01% |
| COREY D NELSON3 | 215 HIGHWAY 965 NE STE 1 NORTH LIBERTY, IA 52317 | AFLAC | $11 | — | $11 | 0.01% |
| BERNARD BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $11 | — | $11 | 0.01% |
| PAUL M MARTINDALE3 | 1001 N HICKORY RD STE 3 SOUTH BEND, IN 46615 | AFLAC | $10 | — | $10 | 0.01% |
| COREY D CAMPBELL3 | 114 GRANT ST PO BOX 125 COULTER, IA 50431 | AFLAC | $9 | — | $9 | 0.01% |
| MITCHELL J MCCALL3 | 1355 N BLUFF RD STE A COLLINSVILLE, IL 62234 | AFLAC | $9 | — | $9 | 0.01% |
| WESLEY J TODD3 Filed as: WESLEY TODD | 602 MAIN ST STE 200 CEDAR FALLS, IA 50613 | AFLAC | $8 | — | $8 | 0.00% |
| THE SHARON MILLER AGENCY LLC3 | PO BOX 15 BELMOND, IA 50421 | AFLAC | $8 | — | $8 | 0.00% |
| RICHARD R KIMBROUGH3 | 1972 MUIRFIELD WAY SE PALM BAY, FL 32909 | AFLAC | $7 | — | $7 | 0.00% |
| JAMES A KIFFEL3 | 807 E SUNRISE ST NEW HAMPTON, IA 50659 | AFLAC | $2 | — | $2 | 0.00% |
| ERIC JASON WILLIAMS3 | 808 E 18TH ST CEDAR FALLS, IA 50613 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN F GLAUB3 | 54369 30TH ST SOUTH BEND, IN 46635 | AFLAC | $2 | — | $2 | 0.00% |
| DONNA R WATSON3 | 876 TANGLEFOOT LN BETTENDORF, IA 52722 | AFLAC | $2 | — | $2 | 0.00% |
| KERRY PARSONS3 Filed as: KERRY PICKARD | 8534 N OVERLAND DRIVE KANSAS CITY, MO 64154 | AFLAC | $1 | — | $1 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY, PO BOX 9207 DES MOINES, IA 503069207 | DELTA DENTAL OF IOWA | $5K | $223 | $5K | 5.44% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 500 1ST AVE NE STE 300 CEDAR RAPIDS, IA 524011323 | VISION SERVICE PLAN | $743 | — | $743 | 3.46% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 502661328 | VISION SERVICE PLAN | $406 | — | $406 | 1.89% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 9207 DES MOINES, IA 503069207 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $191 | $1K | 14.16% |
| STEVEN R. JOHNSON3 Filed as: STEVEN JOHNSON | PO BOX 266 FOREST CITY, IA 50436 | CONTINENTAL AMERICAN INSURANCE COMPANY | $370 | — | $370 | 6.49% |
| THE TODD GROUP3 | 808 E 18TH STREET CEDAR FALLS, IA 50613 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 1.54% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 2427 COVERED BRIDGE BLVD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.65% |
| SCOTT R FRITCHER3 Filed as: SCOTT FRITCHER | 11116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.09% |
| HEATHER D SWANSON3 Filed as: HEATHER SWANSON | 825 SPRUCE STREET WAUKEE, IA 50263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.09% |
| BERNARD BRAZEAU3 | 11116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.09% |
| RONALD L HOVICK3 Filed as: RONALD HOVICK | 2214 SW 43RD TERRACE CAPE CORAL, FL 33914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.09% |
| 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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | COVENTRY HEALTH CARE OF IOWA | 228 | $1.2M |
| Dental | DELTA DENTAL OF IOWA | 149 | $90K |
| Vision | VISION SERVICE PLAN | 93 | $21K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 221 | $10K |
| Short-term disability | AFLAC | 203 | $161K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 221 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.