| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KINGSGATE SOLUTIONS LLC3 | DBA KHI FINANCIAL SOLUTIONS FORT DODGE, IA 50501 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $121K | — | $121K | 4.15% |
| KINGSGATE SOLUTIONS LLC3 | DBA KHI FINANCIAL SOLUTIONS FORT DODGE, IA 50501 | WELLMARK HEALTH PLAN OF IOWA | $47K | — | $47K | 3.14% |
| MICHAEL L VOGEL3 | 1012 2ND ST SE CEDAR RAPIDS, IA 52401 | VISION SERVICE PLAN | $18K | — | $18K | 7.52% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | VISION SERVICE PLAN | $6K | — | $6K | 2.48% |
| CASTLE DICK & KELCH INC3 | PO BOX 299 HAMPTON, IA 50441 | EMC NATIONAL LIFE COMPANY | $5K | — | $5K | 4.62% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 9207 DES MOINES, IA 50306 | EMC NATIONAL LIFE COMPANY | $2K | — | $2K | 1.70% |
| CASTLE DICK & KELCH INC3 | PO BOX 299 HAMPTON, IA 50441 | EMC NATIONAL LIFE COMPANY | $1K | — | $1K | 4.41% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 9207 DES MOINES, IA 50306 | EMC NATIONAL LIFE COMPANY | $600 | — | $600 | 1.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KINGSGATE SOLUTIONS LLC EIN 42-1446374 NONE | Custodial (securities) Service code 19 | 130 N 25TH ST FORT DODGE, IA 50501 | $168K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Contract Administrator Service code 13 | PO BOX 60000 SAN FRANCISCO, CA 941603280 | $63K |
| AUXIANT EIN 42-1426202 NONE | Claims processing Service code 12 | PO BOX 75008 CEDAR RAPIDS, IA 52407 | $42K |
| MICHAEL L VOGEL EIN 42-1513015 NONE | Custodial (securities) Service code 19 | 1012 2ND ST SE CEDAR RAPIDS, IA 52401 | $18K |
| HOLMES MURPHY & ASSOCIATES, LLC NONE | Custodial (securities) Service code 19 | PO BOX 9207 DES MOINES, IA 50306 | $17K |
| TRUE NORTH COMPANIES EIN 42-1513015 NONE | Custodial (securities) Service code 19 | PO BOX 1863 CEDAR RAPIDS, IA 52401 | $14K |
| CASTLE DICK & KELCH EIN 42-0860144 NONE | Custodial (securities) Service code 19 | PO BOX 299 HAMPTON, IA 50441 | $7K |
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 | 2,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 407 | $4.4M |
| Vision | VISION SERVICE PLAN | 1,410 | $233K |
| Life insurance(2 contracts) | EMC NATIONAL LIFE COMPANY | 1,733 | $145K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 407 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,733 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.