| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STILLE PIERCE & PERTZBORN3 | 112 E 5TH ST STORM LAKE, IA 505882340 | UNITED HEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 2.47% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES, LLC | P.O. BOX 9207 DES MOINES, IA 50306 | UNITED HEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 2.47% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 8.23% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES, LLC | 3001 WESTOWN PARKWAY WEST DES MONES, IA 50266 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.82% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES, LLC | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $3K | — | $3K | 4.91% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES, LLC | 3001 WESTOWN PARKWAY WEST DES MONES, IA 50266 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.93% |
| SELECT NETWORKS3 | 317 6TH AVE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.60% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DRIVE URBANDALE, IA 50322 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.64% |
| LEO F. FONDROY3 | P.O. BOX 384 CHEROKEE, IA 51012 | AFLAC | $944 | — | $944 | 5.96% |
| MICHAEL DONLEY3 Filed as: MICHAEL N. SUNDERMAN | 2912 HAMILTON BLVD, STE 104 SIOUX CITY, IA 51104 | AFLAC | $253 | — | $253 | 1.60% |
| MARK FRIEHE3 Filed as: MARK E. FRIEHE | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | AFLAC | $134 | — | $134 | 0.85% |
| DAARON HANSEN & ASSOCIATES, INC.3 | P.O. BOX 406 SPENCER, IA 51301 | AFLAC | $94 | — | $94 | 0.59% |
| PATRICIA K FITZPATRICK3 Filed as: PATRICIA K. FITZPATRICK | 1415 580TH STREET STORM LAKE, IA 50588 | AFLAC | $88 | — | $88 | 0.56% |
| JANE POTTEBAUM3 | 19258 HAWTHORNE AVENUE CARROLL, IA 51401 | AFLAC | $84 | — | $84 | 0.53% |
| MATTHEW D BUTLER3 Filed as: MATTHEW D. BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $70 | — | $70 | 0.44% |
| AMY HANSEN & ASSOCIATES, INC.3 | P.O. BOX 406 SPENCER, IA 51301 | AFLAC | $62 | — | $62 | 0.39% |
| PEAK INC3 | PO BOX 514 MITCHELL, SD 57301 | AFLAC | $44 | — | $44 | 0.28% |
| SCOTT R FRITCHER3 Filed as: SCOTT R. FRITCHER | 9655 NORTHWEST 74TH PLACE GRIMES, IA 50111 | AFLAC | $30 | — | $30 | 0.19% |
| MITHCELL J. FRIEHE3 | 16909 PALISADES DR OMAHA, NE 68136 | AFLAC | $20 | — | $20 | 0.13% |
| JAMES F CHRISTENSEN3 | 1200 14TH AVE W SPENCER, IA 51301 | AFLAC | $20 | — | $20 | 0.13% |
| TARA L. PATRICK3 | P.O. BOX 388 EVERLY, IA 51338 | AFLAC | $18 | — | $18 | 0.11% |
| JAMES L HAYES3 Filed as: JAMES L. HAYES | P.O. BOX 804 WILLIAMSBURG, IA 52361 | AFLAC | $11 | — | $11 | 0.07% |
| RANDY JUNKMAN3 | 2617 27TH AVENUE, N. FORT DODGE, IA 50501 | AFLAC | $11 | — | $11 | 0.07% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $8 | — | $8 | 0.05% |
| REBEKAH N CHRIST3 Filed as: REBEKAH N. CHRIST | 1123 NORTH LAKE AVENUE STORM LAKE, IA 50588 | AFLAC | $8 | — | $8 | 0.05% |
| KACY A GRUENKEMEYER3 Filed as: KACY A. GRUENKEMEYER | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $7 | — | $7 | 0.04% |
| JAMES A SMAARDYK3 Filed as: JAMES A. SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $6 | — | $6 | 0.04% |
| CHARLOTTE A THORSON3 | 1501 ROOSEVELT DRIVE ATLANTIC, IA 50022 | AFLAC | $6 | — | $6 | 0.04% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD R. KIMBROUGH | 1972 MUIRFIELD WAY, S.E. PALM BAY, FL 32909 | AFLAC | $3 | — | $3 | 0.02% |
| WILLIAM CLAY ARNOLD3 | 102 HOLLY COURT NATCHEZ, MS 39120 | AFLAC | $3 | — | $3 | 0.02% |
| CYNTHIA M. KREJCI3 | 305 EAST 14TH STREET SPENCER, IA 51301 | AFLAC | $1 | — | $1 | 0.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES, LLC | 3001 WESTOWN PARKWAY WEST DES MONES, IA 50266 | PRINCIPAL LIFE INSURANCE COMPANY | $280 | — | $280 | 12.28% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 193 | $236K |
| Dental(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $202K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 205 | $31K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $181K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $181K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 261 | $181K |
| Other | AFLAC | 14 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.