| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $30K | $7K | $37K | 9.87% |
| SELECT NETWORKS5 | 317 6TH AVENUE STE. 440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $19K | — | $19K | 10.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | 1828 WALNUT STREET KANSAS CITY, MO 64108 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $18K | $546 | $19K | 13.99% |
| DAVID J MEANS3 | 100 S 5TH ST. STE. 2300 MINNEAPOLIS, MN 55402 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $551 | $7K | $8K | 6.04% |
| CORBIN L. LAMBERT3 Filed as: CORBIN L LAMBERT | 17117 BURT ST. STE. 302 OMAHA, NE 68118 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $80 | $0 | $80 | 0.06% |
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 | 1,868 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 675 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 61 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 15 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 323 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,937 | $168K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,550 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,827 | $504K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,000 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,937 | — |
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.