| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | HEALTHPARTNERS UNITYPOINT HEALTH | $3K | $42 | $3K | 0.39% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $3K | $101 | $3K | 6.74% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.11% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | VERATRUS BENEFIT SOLUTIONS | $515 | — | $515 | 10.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $628 | — | $628 | 15.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $496 | — | $496 | 15.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: RICK ADAMS, HOLMES MURPHY & ASSOCIA | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | EMPLOYEE & FAMILY RESOURCES, INC. | $156 | — | $156 | 4.98% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40 | — | $40 | 14.81% |
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). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS UNITYPOINT HEALTH | 93 | $855K |
| Dental | DELTA DENTAL OF IOWA | 60 | $45K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 36 | $5K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $18K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $21K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.