| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | RELIASTAR LIFE INSURANCE COMPANY | $79K | $0 | $79K | 18.51% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | RELIASTAR LIFE INSURANCE COMPANY | $27K | $0 | $27K | 6.45% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $16K | $0 | $16K | 5.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $969 | $10K | $11K | 3.63% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 75312 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $3K | $3K | 0.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $2K | $2K | 0.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $3K | $0 | $3K | 1.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, INC. | P.O. BOX 441 DES MOINES, IA 503020441 | VISION SERVICE PLAN | $3K | $0 | $3K | 0.88% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $2K | $2K | 2.13% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 75312 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $379 | $379 | 0.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $373 | $373 | 0.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $0 | $11K | 25.88% |
| ZIMMERMAN, MICHAEL, J3 Filed as: ZIMMERMAN, MICHAEL J. | 11225 COLLEGE BLVD SUITE 105 OVERLAND PARK, KS 66210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 14.92% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $1K | $1K | 3.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $1K | $1K | 3.30% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: THE INSURANCE PARTNERS, LLC | 11225 COLLEGE BLVD. SUITE 105 OVERLAND PARK, KS 66210 | PETERSEN INTERNATIONAL UNDERWRITERS | $3K | $0 | $3K | 14.85% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | PETERSEN INTERNATIONAL UNDERWRITERS | $2K | $0 | $2K | 10.57% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | PETERSEN INTERNATIONAL UNDERWRITERS | $756 | $0 | $756 | 4.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 225 S. SIXTH STREET SUITE 1900 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 15.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, INC. | P.O. BOX 441 DES MOINES, IA 503020441 | VISION SERVICE PLAN | $4 | $0 | $4 | 0.89% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $4 | $0 | $4 | 0.89% |
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 | 2,473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 1,636 | $21.3M |
| Vision(2 contracts) | VISION SERVICE PLAN | 1,831 | $287K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,038 | $313K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,057 | $32K |
| Long-term disability(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,425 | $518K |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,473 | $532K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,038 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.