| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | — | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $43K | — | $43K | 2.24% |
| HOLMES MURPHY & ASSOCIATES3 | — | DELTA DENTAL OF IOWA | $8K | $294 | $9K | 6.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE 985055 | 225 S SIXTH ST STE 1900 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 16.61% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $705 | $705 | 1.31% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE 985055 | 225 S SIXTH ST STE 1900 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 16.42% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $718 | $718 | 1.48% |
| SELECT NETWORKS3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 11.92% |
| HOLMES MURPHY & ASSOCIATES3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.83% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE 985055 | 225 S SIXTH ST STE 1900 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 16.31% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $81 | $81 | 1.31% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 201 | $1.9M |
| Dental | DELTA DENTAL OF IOWA | 226 | $144K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 361 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 301 | $54K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 296 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $49K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 301 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
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.