| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $11K | $48K | 10.32% |
| WELLMARK INC5 Filed as: WELLMARK, INC. | 1331 GRAND AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13K | — | $13K | 5.32% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY DES MOINES, IA 502638844 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 25.10% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: THE INSURANCE PARTNERS LLC | 11225 COLLEGE BLVD STE 105 OVERLAND PARK, KS 662102770 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 17.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN NATIONAL LIFE INSURANCE CO | Insurance agents and brokers Service code 22 | — | $9K |
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 | 1,968 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 855 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 113 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 4 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 339 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,131 | $238K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,763 | $1.8M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,889 | $505K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,979 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,131 | — |
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."
No prospect flags tripped on this filing.