| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $26K | — | $26K | 2.41% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $18K | — | $18K | 1.69% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $3K | $1K | $4K | 3.36% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP LLC | 80 S 8TH SREET STE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF IOWA | $3K | $0 | $3K | 2.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $935 | $4K | 13.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS OF MINNESOTA | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.03% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTURAY PARKWAY STE 375 ALPHARETTE, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $378 | $378 | 1.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $837 | $3K | 13.27% |
| HAYS COMPANIES, INC.3 Filed as: HAYS OF MINNESOTA | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.02% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTURAY PARKWAY STE 375 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $508 | $508 | 2.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | VERATRUS BUSINESS SOLUTIONS | $1K | — | $1K | 5.08% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | VERATRUS BUSINESS SOLUTIONS | $972 | — | $972 | 4.92% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $634 | $3K | 13.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS OF MINNESOTA | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $972 | — | $972 | 4.98% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTURAY PARKWAY STE 375 APLHARETTE, GA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $390 | $390 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $614 | $3K | 13.45% |
| HAYS COMPANIES, INC.3 Filed as: HAYS OF MINNESOTA | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $904 | — | $904 | 4.84% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTURAY PARKWAY STE 375 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $253 | $253 | 1.35% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | EMPLOYEE AND FAMILY RESOURCES, INC. | $314 | — | $314 | 7.00% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 360 | $1.1M |
| Dental | DELTA DENTAL OF IOWA | 156 | $122K |
| Vision | VERATRUS BUSINESS SOLUTIONS | 102 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $20K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $28K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $25K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.