| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: EBS/HOLMES MURPHY | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $37K | — | $37K | 3.29% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 503069207 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $736 | — | $736 | 10.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $129 | $129 | 1.75% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| EMPLOYER BENEFIT SERVICES LTD3 Filed as: EMPLOYER BENEFIT SERVICES | 4000 RIVER RIDGE DR NE CEDAR RAPIDS, IA 52402 | DELTA DENTAL OF IOWA | $2K | $521 | $3K | — |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 157 | $1.1M |
| Dental | DELTA DENTAL OF IOWA | 102 | $0 |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $7K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.