| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $42K | — | $42K | 2.95% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $3K | $106 | $3K | 4.12% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES, MURPHY & ASSOCIATES, INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.97% |
| DAILYFEATS INC. Filed as: DAILYFEATS INC | 131 TREMONT ST 3RD FL BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $568 | — | $568 | 2.13% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES, MURPHY & ASSOCIATES ,I | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $548 | $548 | 2.05% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES, MURPHY & ASSOCIATES, INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES, MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.01% |
| DAILYFEATS INC. Filed as: DAILYFEATS INC | 131 TREMONT ST BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $379 | — | $379 | 2.14% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES, MURPHY & ASSOCIATES, I | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $363 | $363 | 2.05% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOMLES, MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| EMPLOYER BENEFIT SERVICES LTD Filed as: EMPLOYER BENEFITS SERVICES / HOMES | ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | EYEMED VISION CARE | $2K | — | $2K | 9.93% |
| MAXWELL HEALTH Filed as: MAXWELL HEALTH - BOR | 101 TREMONT ST. FL 11 BOSTON, MA 02108 | EYEMED VISION CARE | $329 | — | $329 | 1.98% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.87% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $290 | $290 | 2.09% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 167 | $1.4M |
| Dental | DELTA DENTAL OF IOWA | 132 | $72K |
| Vision | EYEMED VISION CARE | 225 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 188 | $14K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $27K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 188 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.