| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS INC | 4478 DODGE STREET DUBUQUE, IA 52003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 6.07% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 3001 WESTOWN PARKWAY PO BOX 9207 WEST DES MOINES, IA 503069207 | DELTA DENTAL OF IOWA | $6K | $228 | $7K | 4.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 3001 WESTOWN PARKWAY PO BOX 9207 WEST DES MOINES, IA 50306 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 7.80% |
| MGIS5 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $60 | $60 | 0.07% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 3001 WESTOWN PARKWAY PO BOX 9207 WEST DES MOINES, IA 50306 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.08% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 190 | $1.8M |
| Dental | DELTA DENTAL OF IOWA | 210 | $146K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 122 | $17K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $235K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $235K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $235K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 190 | $1.8M |
| Other | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 190 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.