| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $8K | $200 | $9K | 5.12% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 7047 E GREENWAY PKWY STE 210 SCOTTSDALE, AZ 85254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 12.76% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $660 | $759 | $1K | 3.74% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 7047 E GREENWAY PKWY STE 210 SCOTTSDALE, AZ 85254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.96% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $720 | $706 | $1K | 4.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 7047 E GREENWAY PKWY STE 210 SCOTTSDALE, AZ 85254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.96% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $427 | $419 | $846 | 4.04% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | VERATRUS BENEFIT SOLUTIONS | $2K | — | $2K | 9.84% |
| RENA MARIE FRANGENBERG3 | 908 CORNELIUS ST CHEROKEE, IA 51012 | AFLAC | $71 | — | $71 | 2.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AFLAC | $55 | — | $55 | 2.13% |
| CHRISTINA PATERSON3 | 4935 COPPER CREEK DRIVE PLEASANT HILL, IA 50327 | AFLAC | $34 | — | $34 | 1.31% |
| SCOTT R FRITCHER3 | 212 NW SUNSET LN GRIMES, IA 50111 | AFLAC | $24 | — | $24 | 0.93% |
| STACEY A KRINGS3 | 1330 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $17 | — | $17 | 0.66% |
| GINA M WESOLEK3 Filed as: GINA WIEGAND | 20379 TWIN PINES DRIVE EARLHAM, IA 50072 | AFLAC | $15 | — | $15 | 0.58% |
| PAIGE C WITTE3 | 32161 G TRL REDFIELD, IA 50233 | AFLAC | $11 | — | $11 | 0.43% |
| MATTHEW D BUTLER3 | 1298 BUCKHORN WAY LOUDON, TN 37774 | AFLAC | $9 | — | $9 | 0.35% |
| KELCEY KRINGS3 | 5600 S 59TH ST STE 202 LINCOLN, NE 68516 | AFLAC | $9 | — | $9 | 0.35% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, IA 50211 | AFLAC | $6 | — | $6 | 0.23% |
| JEFFREY BARNHILL3 | 536 DOVEFIELD DRIVE INDIAN TRAIL, NC 28079 | AFLAC | $5 | — | $5 | 0.19% |
| JAMES A SMAARDYK3 | 3972 HOLLIS AVENUE PORT CHARLOTTE, FL 33953 | AFLAC | $4 | — | $4 | 0.15% |
| JANE W BARNHILL3 | 536 DOVEFIELD DRIVE INDIAN TRAIL, NC 28079 | AFLAC | $3 | — | $3 | 0.12% |
| HEATHER D SWANSON3 | 115 SOUTHEAST BAYTREE DRIVE WAUKEE, IA 50263 | AFLAC | $3 | — | $3 | 0.12% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $1 | — | $1 | 0.04% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | AFLAC | $1 | — | $1 | 0.04% |
| RONALD L HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $0 | — | $0 | 0.00% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | — |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IOWA | 188 | $172K |
| Vision(2 contracts, 2 carriers) | VERATRUS BENEFIT SOLUTIONS | 151 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $73K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 152 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $21K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.