| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 9207 DES MOINES, IA 50306 | WELLMAR BLUE CROSS AND BLUE SHIELD OF IOWA | $28K | — | $28K | 0.81% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $6K | 6.88% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.83% |
| SELECT NETWORKS5 | 317 6TH AVE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 11.02% |
| FRANK BERLIN & ASSOCIATES5 Filed as: FRANK BERLIN & ASSOCIATES LLC | 4949 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| TRUE NORTH COMPANIES LC5 Filed as: TRUE NORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | AMERICAN HERITAGE LIFE | $4K | — | $4K | 23.16% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE | $346 | — | $346 | 1.99% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE | $1 | — | $1 | 0.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $695 | $238 | $933 | 6.71% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWY STE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $256 | — | $256 | 1.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | FEDERAL INSURANCE COMPANY | $214 | — | $214 | 15.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | DELTA DENTAL OF IOWA | $11K | — | $11K | — |
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 | 470 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMAR BLUE CROSS AND BLUE SHIELD OF IOWA | 470 | $3.5M |
| Dental | DELTA DENTAL OF IOWA | 0 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 369 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 470 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.