| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | PRINCIPAL LIFE INSURANCE COMPANY | $104K | — | $104K | 11.07% |
| SELECT NETWORKS5 | 317 6TH AVE STE. 1440 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $16K | — | $16K | 12.32% |
| HOLMES MURPHY & ASSOCIATES5 Filed as: HOLMES MURPHY | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 11.20% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | ARAG INSURANCE COMPANY | $9K | — | $9K | 10.00% |
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 | 1,642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 1,482 | $13.5M |
| Dental | DELTA DENTAL OF IOWA | 1,262 | $680K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 925 | $130K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,435 | $936K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,435 | $936K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,435 | $936K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 1,482 | $13.5M |
| Other | ARAG INSURANCE COMPANY | 738 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,482 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.