| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTEVEN N SCHWARK3 Filed as: CHRISTEVEN SCHWARCK | 520 S PIERCE AVE STE 202 MASON CITY, IA 50401 | UNUM LIFE INSURANCE CO. | $18K | — | $18K | 14.02% |
| AVANT SPECIALTY BENEFITS LLC3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 12.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 2.77% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 17.47% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 6.49% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AMERICAN UNITED LIFE INSURANCE | $64K | — | $64K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $424K |
| HOLMES MURPHY AND ASSOCIATES INC. EIN 42-0985055 BROKER | Other commissions Service code 55 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | $69K |
| INNOVATIVE CAPTIVE STRATEGIES EIN 26-2763468 BROKER | Other commissions Service code 55 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | $69K |
| OPTUMRX EIN 33-0441200 CLAIMS PROCESSING | Float revenue; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $58K |
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 | 583 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTPORT INSURANCE CORP | 583 | $192K |
| Dental | DELTA DENTAL OF IOWA | 592 | $0 |
| Life insurance | UNUM LIFE INSURANCE CO. | 298 | $129K |
| Short-term disability(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 382 | $76K |
| Prescription drug | RXBENEFITS, INC. | 596 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.