| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $8K | $2K | $10K | 18.00% |
| GREATER IOWA CREDIT UNION3 | 1509 BALTIMORE DRIVE AMES, IA 50010 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.96% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.32% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.82% |
| KRONOS SAASHR INC3 | PO BOX 711, CS PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $751 | $751 | 1.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 17.98% |
| GREATER IOWA CREDIT UNION3 | 1509 BALTIMORE DRIVE AMES, IA 50010 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | — | $689 | $689 | 2.31% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $543 | — | $543 | 1.82% |
| KRONOS SAASHR INC3 | PO BOX 711, CS PORTLANT, OR 97207 | STANDARD INSURANCE COMPANY | — | $396 | $396 | 1.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $1K | $633 | $2K | 13.16% |
| GREATER IOWA CREDIT UNION3 | 1509 BALTIMORE DRIVE AMES, IA 50010 | STANDARD INSURANCE COMPANY | — | $600 | $600 | 3.83% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | — | $366 | $366 | 2.34% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $286 | — | $286 | 1.83% |
| KRONOS SAASHR INC3 | PO BOX 711, CS PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $206 | $206 | 1.31% |
| HOLMES MURPHY & ASSOCIATES3 | 3333 LEE PARKWAY SUITE 900 DALLAS, TX 75219 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.97% |
| WELLMARK INC3 Filed as: WELLMARK, INC | 1331 GRAND AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $133 | — | $133 | 0.93% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $2K | $726 | $3K | 27.87% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | — | $276 | $276 | 2.96% |
| KRONOS SAASHR INC3 | PO BOX 711, CS PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $239 | $239 | 2.57% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVNT SPECIALTY BENEFITS LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $187 | — | $187 | 2.01% |
| KRONOS SAASHR INC3 | PO BOX 711, CS PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | — | $99 | $99 | 1.06% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 58 | $1.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 191 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 139 | $30K |
| Short-term disability | STANDARD INSURANCE COMPANY | 139 | $57K |
| Long-term disability | STANDARD INSURANCE COMPANY | 139 | $16K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 139 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.