| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | P.O. BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUECROSS AND BLUESHIELD OF IOWA | $83K | — | $83K | 1.49% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | P.O. BOX 9207 DES MOINES, IA 50306 | PRINCIPAL LIFE INSURANCE COMPANY | $67K | $7K | $73K | 7.91% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICE GROUP, LLC | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | PRINCIPAL LIFE INSURANCE COMPANY | — | $11K | $11K | 1.21% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 3.00% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 1.00% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY P.O. BOX 9207 DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $13K | $534 | $13K | 2.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 2.19% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.60% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $250 | — | $250 | 2.09% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $100 | — | $100 | 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 | 835 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | WELLMARK BLUECROSS AND BLUESHIELD OF IOWA | 542 | $5.7M |
| Dental | DELTA DENTAL OF IOWA | 494 | $445K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 766 | $63K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,029 | $928K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,029 | $928K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,029 | $928K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 572 | $695K |
| Other(2 contracts, 2 carriers) | ARAG INSURANCE COMPANY | 729 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,029 | — |
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.