| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $31K | — | $31K | 2.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 10.71% |
| HOLMES MURPHY & ASSOCIATES | 3333 LEE PARKWAY SUITE 900 DALLAS, TX 75219 | FIDELITY SECURITY LIFE | $420 | — | $420 | 10.77% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $4K | $77 | $4K | — |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 107 | $1.0M |
| Dental | DELTA DENTAL OF IOWA | 93 | $0 |
| Vision | FIDELITY SECURITY LIFE | 84 | $4K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $50K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $50K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 148 | $50K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 107 | $1.0M |
| Stop-loss / reinsurancereinsurance | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 107 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.