| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGEBRECHT, DREW3 | HOLMES MURPHY AND ASSOCIATES, INC. ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | HEALTHPARTNERS UNITYPOINT HEALTH | — | $39K | $39K | 2.19% |
| FOLEY, MICHAEL E.3 | HOLMES MURPHY AND ASSOCIATES, INC. ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | HEALTHPARTNERS UNITYPOINT HEALTH | — | $13K | $13K | 0.75% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $8K | $319 | $9K | 5.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 16.24% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $612 | — | $612 | 1.73% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $960 | $6K | 17.88% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $657 | — | $657 | 2.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $580 | $3K | 17.89% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $395 | — | $395 | 2.03% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | VERATRUS BENEFIT SOLUTIONS | $1K | — | $1K | 9.94% |
| PAIGE C WITTE3 Filed as: PAIGE WITTE INC | 2918 118TH STREET STUART, IA 50250 | AFLAC | $246 | — | $246 | 4.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AFLAC | $236 | — | $236 | 4.57% |
| RENA MARIE FRANGENBERG3 | 7420 NORTHWEST 16TH STREET ANKENY, IA 50023 | AFLAC | $141 | — | $141 | 2.73% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, IA 50211 | AFLAC | $94 | — | $94 | 1.82% |
| GINA WIEGAND3 | 5904 NORTHWEST 95TH COURT JOHNSON, IA 50131 | AFLAC | $90 | — | $90 | 1.74% |
| TERRELL & COMPANY INC3 | 5530 WEST PARKWAY SUITE 100 JOHNSTON, IA 50131 | AFLAC | $72 | — | $72 | 1.40% |
| CHRISTINA PATERSON3 | 4935 COPPER CREEK DRIVE PLEASANT HILL, IA 50327 | AFLAC | $69 | — | $69 | 1.34% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AFLAC | $67 | — | $67 | 1.30% |
| SCOTT R FRITCHER3 | 3511 131ST STREET URBANDALE, IA 50323 | AFLAC | $39 | — | $39 | 0.76% |
| JEFFREY BARNHILL3 | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $19 | — | $19 | 0.37% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $18 | — | $18 | 0.35% |
| GINA WIEGAND3 Filed as: GINA WIEGAND INC | 20379 TWIN PINES DRIVE EARLHAM, IA 50072 | AFLAC | $17 | — | $17 | 0.33% |
| KRINGS ENTERPRISES INC3 Filed as: S KRINGS ENTERPRISES INC | 1330 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $17 | — | $17 | 0.33% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $16 | — | $16 | 0.31% |
| ALISON ZIESMER3 | 2285 260TH STREET GARNER, IA 50438 | AFLAC | $15 | — | $15 | 0.29% |
| KRINGS ENTERPRISES INC3 | 1330 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $9 | — | $9 | 0.17% |
| PATERSON INSURANCE SERVICES INC3 | 4935 COPPER CREEK DRIVE PLEASANT HILL, IA 50327 | AFLAC | $6 | — | $6 | 0.12% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $6 | — | $6 | 0.12% |
| HEATHER D SWANSON3 | 4517 49TH PLACE DES MOINES, IA 50310 | AFLAC | $5 | — | $5 | 0.10% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $2 | — | $2 | 0.04% |
| KACY A GRUENKEMEYER3 | 543 ALSTON DRIVE CHATTANOOGA, TN 37419 | AFLAC | $1 | — | $1 | 0.02% |
| RONALD L HOVICK3 | 2214 SOUTHWEST 43RD TERRACE CAPE CORAL, FL 33914 | AFLAC | $1 | — | $1 | 0.02% |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS UNITYPOINT HEALTH | 196 | $1.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IOWA | 186 | $170K |
| Vision(2 contracts, 2 carriers) | VERATRUS BENEFIT SOLUTIONS | 135 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 332 | $68K |
| Short-term disability | AFLAC | 7 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $19K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 332 | $92K |
| 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."
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.