| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | — | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $34K | — | $34K | 1.54% |
| HOLMES MURPHY & ASSOCIATES3 | — | DELTA DENTAL OF IOWA | $8K | $255 | $8K | 5.01% |
| HOLMES MURPHY & ASSOCIATES3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 13.90% |
| HOLMES MURPHY & ASSOCIATES3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 13.51% |
| HOLMES MURPHY & ASSOCIATES3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 14.80% |
| SELECT NETWORKS3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.99% |
| HOLMES MURPHY & ASSOCIATES3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 13.79% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 182 | $2.2M |
| Dental | DELTA DENTAL OF IOWA | 202 | $160K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 309 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 292 | $59K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 292 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $59K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 292 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.