| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | — | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $32K | — | $32K | 1.53% |
| HOLMES MURPHY & ASSOCIATES3 | — | DELTA DENTAL OF IOWA | $7K | $203 | $7K | 5.26% |
| HOLMES MURPHY & ASSOCIATES3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 17.13% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $918 | $918 | 1.83% |
| HOLMES MURPHY & ASSOCIATES3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $9K | 17.10% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $880 | $880 | 1.77% |
| HOLMES MURPHY & ASSOCIATES3 | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.98% |
| WELLMARK INC3 Filed as: WELLMARK, INC. | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $256 | — | $256 | 0.81% |
| HOLMES MURPHY & ASSOCIATES3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $100 | $1K | 16.45% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $125 | $125 | 1.82% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 176 | $2.1M |
| Dental | DELTA DENTAL OF IOWA | 191 | $137K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 312 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 287 | $50K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 287 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 227 | $50K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 287 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.