| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | $31K | — | $31K | 1.58% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 503069207 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.90% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 503069207 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.12% |
| SELECT NETWORKS5 | 317 6TH AVE SUITE 1040 DES MOINES, IA 50309 | AVESIS | $3K | — | $3K | 10.94% |
| HOLMES MURPHY & ASSOCIATES5 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | AVESIS | $3K | — | $3K | 9.94% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 503069207 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.27% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 129 | $2.0M |
| Dental | STANDARD INSURANCE COMPANY | 118 | $81K |
| Vision | AVESIS | 91 | $28K |
| Life insurance | STANDARD INSURANCE COMPANY | 41 | $31K |
| Short-term disability | STANDARD INSURANCE COMPANY | 74 | $25K |
| Prescription drug | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 129 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.