| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $14K | $344 | $14K | 8.27% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $3K | $17K | 24.82% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 52063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 25.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 25.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $2K | — | $2K | 9.99% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 3850 EP TRUE PARKWAY SUITE 100 WEST DES MOINES, IA 50265 | TRANSAMERICA LIFE INSURANCE COMPANY | $321 | — | $321 | 4.17% |
| MIDWEST HERITAGE INSURANCE SERVICES3 | 3850 EP TRUE PARKWAY SUITE 100 WEST DES MOINES, IA 50266 | TRANSAMERICA LIFE INSURANCE COMPANY | $250 | — | $250 | 3.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | TRANSAMERICA LIFE INSURANCE COMPANY | $138 | — | $138 | 1.79% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY ANDASSOCIATES, LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | TRANSAMERICA LIFE INSURANCE COMPANY | $108 | — | $108 | 1.40% |
| ALAN PAPE3 Filed as: ALAN M PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $28 | — | $28 | 0.36% |
| ALAN PAPE3 Filed as: ALAN M PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $23 | — | $23 | 0.30% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 196 | $2.2M |
| Dental | DELTA DENTAL OF IOWA | 185 | $168K |
| Vision | VISION SERVICE PLAN | 146 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $80K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $67K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 196 | $2.2M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.