| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | WELMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $35K | — | $35K | 3.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATION INC | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $12K | $469 | $12K | 10.40% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK HEALTH PLAN OF IOWA | $2K | — | $2K | 5.09% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $924 | $6K | 23.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $724 | $5K | 23.20% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $659 | $4K | 23.76% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 110 | $1.2M |
| Dental | DELTA DENTAL OF IOWA | 117 | $117K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $24K |
| Prescription drug(2 contracts, 2 carriers) | WELMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 110 | $1.2M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.