| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $27K | — | $27K | 3.11% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $307 | — | $307 | 0.04% |
| HUGHES BRENNAN & WIRTZ3 | PO BOX 97 EMMETSBURG, IA 505360097 | EMC NATIONAL LIFE COMPANY | $3K | — | $3K | 10.00% |
| MUTUAL MED INSURANCE SERVICES3 | 4321 E 60TH ST DAVENPORT, IA 52807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 6300 W 143RD ST STE 200 OVERLAND PARK, KS 66223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $431 | $76 | $507 | 1.97% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 9207 DES MOINES, IA 503069207 | EMC NATIONAL LIFE | $736 | — | $736 | 10.00% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 129 | $870K |
| Dental | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 129 | $870K |
| Life insurance(2 contracts) | EMC NATIONAL LIFE COMPANY | 218 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $26K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 129 | $870K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
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.