| 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 | SUN LIFE ASSURANCE COMPANY OF CANADA | $111K | $9K | $120K | 9.16% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $0 | $13K | 1.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $29K | $11K | $39K | 10.19% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 4.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $674 | $5K | 13.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK EIN 42-0318333 ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $209K |
| COMPASS PROFESSIONAL HEALTH SVCS EIN 35-2263629 NONE | Consulting fees; Direct payment from the plan Service code 50 | — | $58K |
| DELTA DENTAL EIN 42-0959302 ADMINISTRATOR | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $46K |
| ASSOCIATED BENEFFITS CORPORATION EIN 42-1279416 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | — | $13K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $8K |
| WELLS FARGO BANK, N.A. EIN 41-6257133 TRUSTEE BANK | Investment management; Trustee (discretionary); Trustee (bank, trust company, or similar financial institution); Investment management fees paid indirectly by plan Service code 21 | — | $0 |
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 | 1,066 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 656 | $149K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,061 | $385K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 977 | $329K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,566 | $1.3M |
| Other | STANDARD INSURANCE COMPANY | 1,061 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,566 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.