| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 502638844 | GRAVIE ADMINISTRATIVE SERVICES, LLC | $21K | — | $21K | 3.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $4K | $17K | 17.65% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $3K | $60 | $3K | 6.14% |
| HOLMES MURPHY & ASSOCIATES5 | P.O. BOX 9207 DES MOINES, IA 50306 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $741 | — | $741 | 4.47% |
| HOLMES MURPHY & ASSOCIATES5 | 3001 WESTOWN PARKWAY, SUITE 250 WEST DES MOINES, IA 50265 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $493 | — | $493 | 2.97% |
| PATRICIA K FITZPATRICK3 | 1415 580TH STREET STORM LAKE, IA 50588 | AFLAC | $88 | — | $88 | 5.88% |
| JANE W BARNHILL3 Filed as: JANE M POTTEBAUM | 19258 HAWTHORNE AVENUE CARROLL, IA 51401 | AFLAC | $38 | — | $38 | 2.54% |
| SCOTT R FRITCHER3 | 9701 AURORA AVE URBANDALE, IA 50322 | AFLAC | $30 | — | $30 | 2.01% |
| JAMES F CHRISTENSEN3 | 1200 14TH AVE W SPENCER, IA 51301 | AFLAC | $20 | — | $20 | 1.34% |
| MATTHEW D BUTLER3 | 1298 BUCKHORN WAY LOUDON, TN 37774 | AFLAC | $10 | — | $10 | 0.67% |
| REBEKAH N CHRIST3 | 1123 LAKE AVENUE STORM LAKE, IA 50588 | AFLAC | $8 | — | $8 | 0.53% |
| CHARLOTTE A THORSON3 | 1501 ROOSEVELT DRIVE ATLANTIC, IA 50022 | AFLAC | $6 | — | $6 | 0.40% |
| WILLIAM CLAY ARNOLD3 | 102 HOLLY COURT NATCHEZ, MS 39120 | AFLAC | $3 | — | $3 | 0.20% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $2 | — | $2 | 0.13% |
| HEATHER D SWANSON3 | 115 SE BAYTREE DR WAUKEE, IA 50263 | AFLAC | $2 | — | $2 | 0.13% |
| JAMES A SMAARDYK3 | 3972 HOLLIS AVE PORT CHARLOTTE, FL 33953 | AFLAC | $1 | — | $1 | 0.07% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GRAVIE ADMINISTRATIVE SERVICES, LLC | 77 | $636K |
| Dental | DELTA DENTAL OF IOWA | 91 | $44K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 108 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $94K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $94K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $94K |
| Other | AFLAC | 1 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.