| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN FINANCIAL GROUP INSURANCE COMPANY | $7K | $840 | $8K | 11.15% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.89% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN FINANCIAL GROUP INSURANCE COMPANY | $4K | $424 | $4K | 11.15% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN FINANCIAL GROUP INSURANCE COMPANY | $2K | $205 | $2K | 11.14% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DE MOINES, IA 50302 | THE LINCOLN FINANCIAL GROUP INSURANCE COMPANY | $1K | $157 | $2K | 11.08% |
| HOLMES MURPHY & ASSOCIATES5 | 3333 LEE PARKWAY, SUITE 900 DALLAS, TX 75219 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| WELLMARK INC5 | 1331 GRAND AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $49 | — | $49 | 0.39% |
| JENNON M CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | THE LINCOLN FINANCIAL GROUP INSURANCE COMPANY | $2K | $302 | $3K | 28.15% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN FINANCIAL GROUP INSURANCE COMPANY | $2K | $29 | $2K | 16.88% |
| JENNON M CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | THE LINCOLN FINANCIAL GROUP INSURANCE COMPANY | $1K | $163 | $1K | 24.84% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN FINANCIAL GROUP INSURANCE COMPANY | $851 | $13 | $864 | 14.92% |
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 | 305 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK HEALTH PLAN OF IOWA | 132 | $1.4M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 305 | $62K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 165 | $12K |
| Life insurance(2 contracts) | THE LINCOLN FINANCIAL GROUP INSURANCE COMPANY | 251 | $33K |
| Short-term disability | THE LINCOLN FINANCIAL GROUP INSURANCE COMPANY | 35 | $6K |
| Long-term disability(2 contracts) | THE LINCOLN FINANCIAL GROUP INSURANCE COMPANY | 251 | $46K |
| Other | THE LINCOLN FINANCIAL GROUP INSURANCE COMPANY | 251 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.