| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES LLC | P.O. BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $32K | — | $32K | 3.35% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | P.O. BOX 9207 DES MOINES, IA 50306 | WELLMARK HEALTH PLAN OF IOWA | $13K | — | $13K | 3.29% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $4K | $189 | $4K | 5.60% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $687 | $7K | 16.64% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTURAY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $839 | $839 | 2.00% |
| JERRI J GREGORY3 | 701 NORTHWEST 43RD AVE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $8K | 20.51% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50268 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 10.97% |
| JOSEPH P CALARCO3 Filed as: JOSEPH MICHAEL EVANS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $794 | $787 | $2K | 3.93% |
| JENNIFER L HAVLOVICK3 Filed as: JENNIFER L HAVLOCK | 4920 PLEASANT STREET WEST DES MOINES, IA 50266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $98 | $1K | 2.90% |
| RICHARD J GINTHER3 | 4220 LINCOLN AVENUE DES MOINES, IA 50310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $16 | $1K | 2.62% |
| SALLY ANN PRICE3 | 204 BREWEER STREET LAKOTA, IA 50451 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.58% |
| BENECOMM RESOURCES INC3 | 8009 GOODMON DRIVE URBANDALE, IA 50322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.24% |
| BRYON A BROWDER3 | 791 NORTHWEST 43RD AVENUE DES MOINES, IA 50313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $381 | $4K | 16.60% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTURAY PARKWAY SUITE 375 ALPHARETA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $476 | $476 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $250 | $3K | 16.58% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $318 | $318 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | VERATRUS BUSINESS SOLUTIONS | $1K | — | $1K | 10.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $584 | $60 | $644 | 16.55% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTURAY PARKWAY SUITE 375 ALPPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $78 | $78 | 2.00% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 99 | $1.4M |
| Dental | DELTA DENTAL OF IOWA | 140 | $78K |
| Vision | VERATRUS BUSINESS SOLUTIONS | 78 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $42K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $16K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.