| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOLEY, MICHAEL E.3 | HOLMES MURPHY AND ASSOCIATES, LLC ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | HEALTHPARTNERS | — | $45K | $45K | 2.67% |
| ENGEBRECHT, DREW3 | HOLMES MURPHY AND ASSOCIATES, LLC ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | HEALTHPARTNERS | — | $26K | $26K | 1.55% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATION INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $9K | $332 | $9K | 4.78% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | 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 | $693 | — | $693 | 1.74% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | 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 | $644 | — | $644 | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | 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 | $387 | — | $387 | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | VERATRUS BUSINESS SOLUTIONS | $1K | — | $1K | 9.20% |
| RENA MARIE FRANGENBERG3 | 7420 NORTHWEST 16TH STREET ANKENY, IA 50023 | AFLAC | $129 | — | $129 | 3.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AFLAC | $74 | — | $74 | 2.01% |
| PATERSON INSURANCE SERVICES INC3 | 4935 COPPER CREEK DRIVE PLEASANT HILL, IA 50327 | AFLAC | $69 | — | $69 | 1.87% |
| SCOTT R FRITCHER3 | 3511 131ST STREET URBANDALE, IA 50323 | AFLAC | $36 | — | $36 | 0.98% |
| JEFFREY BARNHILL3 | 6636 NC HIGHWAY 43 SOUTH GREENVILLE, NC 27858 | AFLAC | $18 | — | $18 | 0.49% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43 SOUTH GREENVILLE, NC 27858 | AFLAC | $16 | — | $16 | 0.43% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $15 | — | $15 | 0.41% |
| GINA WIEGAND3 Filed as: GINA WIEGAND INC | 20379 TWIN PINES DRIVE EARLHAM, IA 50072 | AFLAC | $13 | — | $13 | 0.35% |
| GINA WIEGAND3 Filed as: GINA WIEGAND INC | 20379 TWIN PINES DRIVE EARLHAM, IA 50072 | AFLAC | $13 | — | $13 | 0.35% |
| KRINGS ENTERPRISES INC3 Filed as: S KRINGS ENTERPRISES INC | 1330 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $10 | — | $10 | 0.27% |
| KRINGS ENTERPRISES INC3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $8 | — | $8 | 0.22% |
| BRAD P LUFKIN3 | 5530 WEST PARKWAY SUITE 500 JOHNSTON, IA 50131 | AFLAC | $7 | — | $7 | 0.19% |
| KRINGS ENTERPRISES INC3 Filed as: S KRINGS ENTERPRISES INC | 1408 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $6 | — | $6 | 0.16% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $5 | — | $5 | 0.14% |
| HEATHER D SWANSON3 | 4517 49TH PLACE DES MOINES, IA 50310 | AFLAC | $5 | — | $5 | 0.14% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $2 | — | $2 | 0.05% |
| KACY A GRUENKEMEYER3 | 325 CHEROKEE BOULEVARD SUITE 102 CHATTANOOGA, TN 37405 | AFLAC | $1 | — | $1 | 0.03% |
| RONALD L HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | 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 | 332 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 208 | $1.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IOWA | 193 | $189K |
| Vision(2 contracts, 2 carriers) | VERATRUS BUSINESS SOLUTIONS | 137 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 332 | $32K |
| Short-term disability | AFLAC | 6 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 332 | $19K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 332 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.