| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $6K | — | $6K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | OPERATING ACCOUNT 2727 GRAND PRAIRIE PKWY WAUKEE, IA 502638844 | PRINCIPLE LIFE INSURANCE COMPANY | $3K | $390 | $3K | 2.93% |
| DONALD EVERETT LASTER3 | 6701 WESTOWN PKWY STE 200 WEST DES MOINES, IA 502667706 | PRINCIPLE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.29% |
| STEVE BLAKE UTSLER3 | 6701 WESTOWN PKWY STE 200 WEST DES MOINES, IA 502667706 | PRINCIPLE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.28% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 15.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4201 WESTOWN PKWY STE 120 WEST DES MOINES, IA 502666720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $75 | $75 | 0.23% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | VERATRUS BENEFIT SOLUTIONS | $2K | — | $2K | 10.84% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | VERATRUS BENEFIT SOLUTIONS | $356 | — | $356 | 10.70% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 122 | $2.1M |
| Dental | DELTA DENTAL OF IOWA | 202 | $116K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 171 | $17K |
| Life insurance | PRINCIPLE LIFE INSURANCE COMPANY | 351 | $107K |
| Short-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 351 | $107K |
| Long-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 351 | $107K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 82 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.