| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $206K | — | $206K | 6.20% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST SUITE 1801 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $98K | — | $98K | 2.95% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $40K | $40K | 1.22% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $145K | $10K | $155K | 8.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $0 | $49K | $49K | 2.76% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALITY BENEFITS LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $32K | — | $32K | 1.78% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $38K | $7K | $45K | 4.82% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $0 | $28K | $28K | 3.00% |
| AVANT SPECIALTY BENEFITS LLC3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 1.92% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $2K | $333 | $3K | 9.97% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PWKY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $0 | $788 | $788 | 3.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $824 | $274 | $1K | 5.46% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $0 | $603 | $603 | 3.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $0 | $840 | $840 | 20.00% |
| HOLMES MURPHY & ASSOCIATES3 | 1828 WALNUT ST. STE 701 KANSAS CITY, MO 64108 | ACE AMERICAN INSURANCE COMPANY | $0 | $630 | $630 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLMARK EIN 42-0318333 ADMINISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $2.6M |
| DELTA DENTAL EIN 42-0959302 ADMINISTRATOR | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $150K |
| SPENCER FANE LLP EIN 44-0561981 LEGAL | Legal Service code 29 | — | $44K |
| ASSOCIATED BENEFITS CORPORATION EIN 42-1279416 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $41K |
| BRAL NIEDERT PRIVATE WEALTH ADVISOR INVESTMENT MGMT | Investment management; Investment management fees paid directly by plan Service code 28 | 6701 WESTOWN PARKWAY SUITE 260 WEST DES MOINES, IA 50266 | $36K |
| CBIZ CPAS P.C. EIN 43-1947696 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $35K |
| DELOITTE & TOUCHE LLP EIN 13-3891517 AUDTOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
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 | 4,946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 3,938 | $0 |
| Dental | DELTA DENTAL OF IOWA | 4,412 | $0 |
| Vision | VISION SERVICE PLAN | 2,194 | $538K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 4,340 | $1.8M |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 3,980 | $957K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,936 | $3.3M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 4,340 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,936 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.