| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | 11.45% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.18% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $1K | $8K | 12.56% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.75% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INSURANCE GROUP, LLC | 1101 WEST CLAIREMONT AVENUE SUITE 2E EAU CLAIRE, WI 54701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.39% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $688 | $7K | 18.11% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $786 | — | $786 | 2.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $498 | $5K | 18.08% |
| DAILYFEATS INC.3 | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $570 | — | $570 | 2.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 7.97% |
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 |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 127 | $67K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 118 | $16K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $100K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $26K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $64K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.