| 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 | — | $51K | $51K | 2.54% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $8K | $306 | $9K | 4.79% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $4K | $5K | 15.99% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $584 | — | $584 | 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 | $992 | $6K | 18.03% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $659 | — | $659 | 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 | $596 | $4K | 18.01% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $399 | — | $399 | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | VERATRUS BENEFIT SOLUTIONS | $2K | — | $2K | 9.25% |
| RENA MARIE FRANGENBERG3 | 305 REDDINGTON AVENUE CHEROKEE, IA 51012 | AFLAC | $118 | — | $118 | 2.74% |
| CHRISTINA PATERSON3 | 4935 COPPER CREEK DRIVE PLEASANT HILL, IA 50327 | AFLAC | $62 | — | $62 | 1.44% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AFLAC | $55 | — | $55 | 1.28% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AFLAC | $33 | — | $33 | 0.77% |
| SCOTT R FRITCHER3 | 3511 131ST STREET URBANDALE, IA 50323 | AFLAC | $33 | — | $33 | 0.77% |
| PAIGE C WITTE3 Filed as: PAIGE WITTE INC | 2918 118TH STREET STUART, IA 50250 | AFLAC | $31 | — | $31 | 0.72% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, IA 50211 | AFLAC | $23 | — | $23 | 0.53% |
| TERRELL & COMPANY INC3 | 4401 WESTOWN PARKWAY SUITE 350 WEST DES MOINES, IA 50266 | AFLAC | $18 | — | $18 | 0.42% |
| JEFFREY BARNHILL3 | 536 DOVEFIELD DRIVE INDIAN TRAIL, NC 28079 | AFLAC | $16 | — | $16 | 0.37% |
| KRINGS ENTERPRISES INC3 Filed as: S KRINGS ENTERPRISES INC | 1330 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $15 | — | $15 | 0.35% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $14 | — | $14 | 0.33% |
| JANE W BARNHILL3 | 536 DOVEFIELD DRIVE INDIAN TRAIL, NC 28079 | AFLAC | $13 | — | $13 | 0.30% |
| GINA WIEGAND3 | 20379 TWIN PINES DRIVE EARLHAM, IA 50072 | AFLAC | $11 | — | $11 | 0.26% |
| KINGS ENTERPRISES INC3 | 1330 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $8 | — | $8 | 0.19% |
| PAIGE C WITTE3 Filed as: PAIGE C WHITE | 2918 118TH STREET STUART, IA 50250 | AFLAC | $5 | — | $5 | 0.12% |
| HEATHER D SWANSON3 | 115 SOUTHEAST BAYTREE DRIVE WAUKEE, IA 50263 | AFLAC | $4 | — | $4 | 0.09% |
| JAMES A SMAARDYK3 | 3972 HOLLIS AVENUE PORT CHARLOTTE, FL 33953 | AFLAC | $4 | — | $4 | 0.09% |
| JOSHUA D TERRELL3 | 812 VENETIAN ISLES DRIVE APARTMENT 1 LAKE PARK, FL 33403 | AFLAC | $4 | — | $4 | 0.09% |
| GINA WIEGAND3 | 5904 NORTHWEST 95TH COURT JOHNSTON, IA 50125 | AFLAC | $2 | — | $2 | 0.05% |
| BERNARD J BRAZEAU3 | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $1 | — | $1 | 0.02% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | AFLAC | $1 | — | $1 | 0.02% |
| RHONALD 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 | 343 | 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) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS UNITYPOINT HEALTH | 343 | $2.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IOWA | 183 | $182K |
| Vision(2 contracts, 2 carriers) | VERATRUS BENEFIT SOLUTIONS | 136 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $66K |
| Short-term disability | AFLAC | 6 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 250 | $20K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.