| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK HEALTH PLAN OF IOWA | $38K | — | $38K | 2.88% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $15K | — | $15K | 2.85% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATION INC | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $9K | — | $9K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN VALERIE YEAGER 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN VALERIE YEAGER 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 17.50% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | VERATRUS BUSINESS SOLUTIONS | $1K | — | $1K | 10.00% |
| RENA MARIE FRANGENBERG3 Filed as: RENA MARIE HOPPER | PO BOX 392 CHEROKEE, IN 51012 | AFLAC | $138 | — | $138 | 3.99% |
| PATERSON INSURANCE SERVICES INC3 | 8127 NORTHEAST 25TH AVENUE ALTOONA, IA 50009 | AFLAC | $65 | — | $65 | 1.88% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | AFLAC | $63 | — | $63 | 1.82% |
| SCOTT R FRITCHER3 | 9655 NORTHWEST 74TH PLACE GRIMES, IA 50111 | AFLAC | $31 | — | $31 | 0.90% |
| JEFFREY BARNHILL3 | 6636 NC HIGHWAY 43 SOUTH GREENVILLE, NC 27858 | AFLAC | $23 | — | $23 | 0.67% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43 SOUTH GREENVILLE, NC 27858 | AFLAC | $21 | — | $21 | 0.61% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 URBANDALE, IA 50322 | AFLAC | $14 | — | $14 | 0.40% |
| KRINGS ENTERPRISES INC3 Filed as: S KRINGS ENTERPRISES INC | 1408 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $14 | — | $14 | 0.40% |
| KRINGS ENTERPRISES INC3 | 5530 WEST PARKWAY SUITE 500 JOHNSTON, IA 50131 | AFLAC | $6 | — | $6 | 0.17% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $5 | — | $5 | 0.14% |
| JEFFREY BARNHILL3 | 204 EAST ARLINGTON BOULEVARD SUITE C GREENVILLE, NC 27858 | AFLAC | $3 | — | $3 | 0.09% |
| LOREN E MEYER3 | 2604 WEST EUCLID AVENUE INDIANOLA, IA 50125 | AFLAC | $2 | — | $2 | 0.06% |
| KACY A GRUENKEMEYER3 | 14601 BROOKVIEW DRIVE URBANDALE, IA 50323 | AFLAC | $1 | — | $1 | 0.03% |
| KRINGS ENTERPRISES INC3 | 2570 106TH STREET SUITE A URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.03% |
| KELCEY KRINGS3 | 2570 106TH STREET SUITE A URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.03% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 146 | $1.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IOWA | 189 | $177K |
| Vision(2 contracts, 2 carriers) | VERATRUS BUSINESS SOLUTIONS | 111 | $16K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 320 | $52K |
| Short-term disability | AFLAC | 6 | $3K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 320 | $52K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 146 | $1.8M |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 320 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.