| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | WELLMARK, INC. | $9K | — | $9K | 0.65% |
| FRANK BERLIN & ASSOCIATES3 Filed as: FRANK BERLIN AND ASSOCIATES | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 9.92% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 5.08% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.94% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 5.06% |
| FRANK BERLIN & ASSOCIATES3 | 4949 WESTOWN PKWY STE 200 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $827 | $0 | $827 | 5.24% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK, INC. | 109 | $1.4M |
| Vision | VERATRUS BENEFIT SOLUTIONS, INC. | 129 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $43K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $42K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.