| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $44K | — | $44K | 0.11% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $10K | $417 | $10K | 0.45% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOMES MURPHY & ASSOCIATES LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | PRINCIPAL LIFE INSURANCE COMPANY | $62K | $0 | $62K | 4.97% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY, STE 375 ALPHARETTA, GA 30009 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 2.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | SUN LIFE ASSURANCE COMPANY OF CANADA | $84K | $22K | $105K | 8.81% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY, STE 375 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 2.00% |
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 | 4,247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 3,673 | $40.7M |
| Dental | DELTA DENTAL OF IOWA | 3,504 | $2.3M |
| Vision | VISION SERVICE PLAN | 3,005 | $323K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,173 | $1.2M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 4,247 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,247 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.