| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDWEST BENEFIT CONSULTANTS INC3 | PO BOX 10481 DES MOINES, IA 50306 | RELIASTAR LIFE INSURANCE COMPANY | $23K | — | $23K | 1.67% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $30K | $6K | $36K | 8.83% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY & ASSOCIATES, INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $275 | — | $275 | 0.07% |
| SELECT NETWORKS5 | 317 6TH AVE STE 440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $22K | — | $22K | 11.00% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY & ASSOCIATES, INC | 1828 WALNUT STREET KANSAS CITY, MO 641081825 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $21K | $1K | $23K | 16.10% |
| RICHARD DONADO3 | 10250 REGENCY CTR OMAHA, NE 68114 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 6.42% |
| CORBIN L. LAMBERT3 | 17117 BURT STREET STE 302 OMAHA, NE 68118 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.77% |
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 | 2,013 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 661 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 58 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,732 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,110 | $203K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,646 | $1.3M |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,961 | $544K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,110 | — |
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.