| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC.-- | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | DELTA DENTAL OF MINNESOTA | $116K | $0 | $116K | 2.79% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC. | PO BOX 9207 DES MONIES, IA 55426 | DELTA DENTAL OF MINNESOTA | $113K | $0 | $113K | 2.73% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $104K | $24K | $127K | 6.29% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC LLC | 1601 UTICA AVENUE S SUITE 700 ST. LOUIS PARK, MN 55426 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $24K | $19K | $43K | 9.39% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC LLC | PO BOX 441 SUITE 700 DES MONIES, IA 55426 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.37% |
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 | 8,319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 556 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 11,019 | $4.2M |
| Vision | BLUE CROSS BLUE SHIELD OF MINNESOTA | 8,939 | $454K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,319 | $2.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,172 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,019 | — |
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.