| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $40K | — | $40K | 0.72% |
| HOLMES MURPHY & ASSOCIATES7 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 5.05% |
| AVANT SPECIALTY BENEFITS LLC7 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.02% |
| HOLMES MURPHY & ASSOCIATES7 | 2727 GRAND PRAIRIE PKWY W, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 10.12% |
| AVANT SPECIALTY BENEFITS LLC7 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.17% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY W, IA 50302 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 24.12% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 022842875 | RELIASTAR LIFE INSURANCE COMPANY | — | $2K | $2K | 3.49% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 800167904 | RELIASTAR LIFE INSURANCE COMPANY | — | $686 | $686 | 1.00% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | VERATRUS BENEFIT SOLUTIONS | $5K | — | $5K | 9.99% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.60% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $684 | — | $684 | 2.32% |
| HOLMES MURPHY & ASSOCIATES7 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $842 | — | $842 | 5.14% |
| AVANT SPECIALTY BENEFITS LLC7 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $337 | — | $337 | 2.06% |
| HOLMES MURPHY & ASSOCIATES | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | FEDERAL INSURANCE COMPANY | $130 | — | $130 | 18.84% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $37K | $840 | $38K | — |
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 | 589 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 689 | $5.6M |
| Dental | DELTA DENTAL OF IOWA | 689 | $0 |
| Vision | VERATRUS BENEFIT SOLUTIONS | 479 | $52K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 689 | $181K |
| Short-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 689 | $75K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 689 | $144K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 574 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.