| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | RELIASTAR LIFE INSURANCE COMPANY | $97K | — | $97K | 22.31% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS, LLC | 1828 WALNUT ST, STE 701 KANSAS CITY, MO 64108 | RELIASTAR LIFE INSURANCE COMPANY | — | $9K | $9K | 2.00% |
| CHRISTEVEN N SCHWARK3 | 520 S PIERCE AVE STE 202 MASON CITY, IA 50401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 14.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $461K |
| HOLMES MURPHY AND ASSOCIATES INC. EIN 42-0985055 BROKER | Other commissions Service code 55 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | $75K |
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 | 636 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SWISS RE SEISS | 636 | $164K |
| Dental | DELTA DENTAL OF IOWA | 638 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 396 | $0 |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $234K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 606 | $433K |
| Prescription drug | RXBENEFITS, INC. | 559 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.