| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 300 SOUTH CLIFF AVENUE SUITE 108 SIOUX FALLS, SD 57101 | SANFORD HEALTH PLAN | $28K | — | $28K | 38.74% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 10.28% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.69% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $2K | $7K | 12.85% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $128 | $2K | 5.71% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INSURANCE GROUP, LLC | 301 MAIN STREET SUITE 101 MOSINEE, WI 54455 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.64% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $625 | $6K | 15.50% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $642 | — | $642 | 1.66% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $475 | $5K | 15.63% |
| DAILYFEATS INC.3 | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $479 | — | $479 | 1.65% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 5120 SOUTH SOLBERG AVENUE SIOUX FALLS, SD 57108 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 8.11% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AMERITAS LIFE INSURANCE CORP. | $24 | — | $24 | 0.15% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 285 | $73K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 86 | $58K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 112 | $16K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $103K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 73 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $64K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.