| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $13K | $503 | $14K | 2.74% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $2K | $22K | 5.32% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | PRINCIPAL LIFE INSURANCE COMPANY | $40K | $0 | $40K | 17.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 752511527 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 4.63% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES | 3001 WESTOWN PKWY WEST DES MOINES, IA 502661328 | HUMANA INSURANCE COMPANY | $750 | $0 | $750 | 2.11% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES | 3001 WESTOWN PKWY WEST DES MOINES, IA 502661328 | HUMANA INSURANCE COMPANY | $200 | $0 | $200 | 2.11% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES | 3001 WESTOWN PKWY WEST DES MOINES, IA 502661328 | HUMANA INSURANCE COMPANY | $100 | $0 | $100 | 2.11% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES | 3001 WESTOWN PKWY WEST DES MOINES, IA 502661328 | HUMANA INSURANCE COMPANY | $100 | $0 | $100 | 2.41% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES | 3001 WESTOWN PKWY WEST DES MOINES, IA 502661328 | HUMANA INSURANCE COMPANY | $50 | $0 | $50 | 2.09% |
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 | 729 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 554 | $5.6M |
| Dental | DELTA DENTAL OF IOWA | 505 | $502K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 336 | $65K |
| Life insurance(3 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,015 | $648K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,015 | $410K |
| Other(3 contracts, 3 carriers) | ARAG INSURANCE COMPANY | 729 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,015 | — |
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.