| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | PRINCIPAL LIFE INSURANCE COMPANY | — | $13K | $13K | 1.58% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | P.O. BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $33K | — | $33K | 29.14% |
| AVANT SPECIALTY BENEFITS LLC3 | P.O. BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $670 | — | $670 | 0.60% |
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 441 DES MOINES, IA 50302 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 5.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL EIN 42-0959302 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $30K |
| RXBENEFITS EIN 63-1157085 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $8K |
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 | 454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUECROSS AND BLUESHIELD OF IOWA | 457 | $4.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 892 | $51K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 569 | $834K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 569 | $834K |
| Other | ARAG INSURANCE COMPANY | 174 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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.