| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIKFE INSURANCE COMPANY | $2K | $326 | $2K | 11.25% |
| HOLMES MURPHY & ASSOCIATES5 Filed as: HOLMES MURHPHY & ASSOCIATES | 3333 LEE PARKWAY, SUITE 900 DALLAS, TX 75219 | AVESIS | $2K | — | $2K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50623 | DELTA DENTAL OF IOWA | $1K | — | $1K | — |
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 | 217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WELLMARK BCBS | 115 | $993K |
| Dental | DELTA DENTAL OF IOWA | 118 | $0 |
| Vision | AVESIS | 217 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIKFE INSURANCE COMPANY | 182 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIKFE INSURANCE COMPANY | 182 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIKFE INSURANCE COMPANY | 182 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.