| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK HEALTH PLAN OF IOWA | $57K | — | $57K | 4.06% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $11K | — | $11K | 3.52% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $5K | — | $5K | 5.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $686 | $5K | 17.33% |
| LOREN E MEYER3 | 2604 WEST EUCLID AVENUE INDIANOLA, IA 50125 | AFLAC | $780 | $47 | $827 | 6.20% |
| RENA MARIE FRANGENBERG3 Filed as: RENA MARIE HOPPER | PO BOX 392 CHEROKEE, IA 51012 | AFLAC | $396 | $108 | $504 | 3.78% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | AFLAC | $438 | — | $438 | 3.29% |
| BRAD P LUFKIN3 | 5530 WEST PKWY STE 500 JOHNSTON, IA 50131 | AFLAC | $148 | $26 | $174 | 1.31% |
| PATERSON INSURANCE SERVICES INC3 | 8127 NE 25TH AVE ALTOONA, IA 50009 | AFLAC | $155 | — | $155 | 1.16% |
| KRINGS ENTERPRISES INC3 Filed as: S KRINGS ENTERPRISES INC | 1408 PRAIRIE RIDGE DRIVE POLK CITY, IA 50226 | AFLAC | $97 | — | $97 | 0.73% |
| SCOTT R FRITCHER3 | 9655 NORTHWEST 74TH PLACE SUITE A GRIMES, IA 50111 | AFLAC | $67 | — | $67 | 0.50% |
| KACY A GRUENKEMEYER3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $40 | $26 | $66 | 0.50% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 URBANDALE, IA 50322 | AFLAC | $58 | — | $58 | 0.44% |
| JEFFREY BARNHILL3 | 204 EAST 6636 NC HWY 43 S GREENVILLE, NC 27858 | AFLAC | $42 | — | $42 | 0.32% |
| KRINGS ENTERPRISES INC3 | 5530 WEST PKWY STE 500 JOHNSON, IA 50131 | AFLAC | $34 | — | $34 | 0.26% |
| JANE W BARNHILL3 | 6636 NC HWY 43 S GREENVILLE, NC 27858 | AFLAC | $28 | — | $28 | 0.21% |
| JAMES A SMAARDYK3 | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $13 | — | $13 | 0.10% |
| KRINGS ENTERPRISES INC3 | 2570 106TH ST STE A URBANDALE, IA 50322 | AFLAC | $11 | — | $11 | 0.08% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | VERATRUS BUSINESS SOLUTIONS | $1K | — | $1K | 9.23% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 502661321 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $962 | $206 | $1K | 18.22% |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 191 | $1.7M |
| Dental | DELTA DENTAL OF IOWA | 209 | $101K |
| Vision | VERATRUS BUSINESS SOLUTIONS | 135 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 358 | $36K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 191 | $1.7M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 358 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.