| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES, LLC | P.O. BOX 9207 DES MOINES, IA 50306 | UNITED HEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 2.27% |
| STILLE PIERCE & PERTZBORN3 | 112 E 5TH ST STORM LAKE, IA 505882340 | UNITED HEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.47% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES, LLC | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $3K | $2K | $5K | 9.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES, LLC | 3001 WESTOWN PARKWAY WEST DES MONES, IA 50266 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 81.05% |
| SELECT NETWORKS3 | 317 6TH AVE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 12.10% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES, LLC | 3001 WESTOWN PARKWAY WEST DES MONES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| LEO F. FONDROY3 | P.O. BOX 384 CHEROKEE, IA 51012 | AFLAC | $573 | — | $573 | 6.66% |
| AMY E COHEN3 Filed as: AMY J RENZE | 23121 215TH ST CARROLL, IA 51401 | AFLAC | $508 | — | $508 | 5.90% |
| JANE POTTEBAUM3 | 19258 HAWTHORNE AVENUE CARROLL, IA 51401 | AFLAC | $124 | — | $124 | 1.44% |
| MICHAEL DONLEY3 Filed as: MICHAEL N. SUNDERMAN | 2912 HAMILTON BLVD, STE 104 SIOUX CITY, IA 51104 | AFLAC | $116 | — | $116 | 1.35% |
| PATRICIA K FITZPATRICK3 Filed as: PATRICIA K. FITZPATRICK | 1415 580TH STREET STORM LAKE, IA 50588 | AFLAC | $81 | — | $81 | 0.94% |
| MARK FRIEHE3 Filed as: MARK E. FRIEHE | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | AFLAC | $62 | — | $62 | 0.72% |
| AMY HANSEN & ASSOCIATES, INC.3 | P.O. BOX 406 SPENCER, IA 51301 | AFLAC | $41 | — | $41 | 0.48% |
| MATTHEW D BUTLER3 Filed as: MATTHEW D. BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $36 | — | $36 | 0.42% |
| SCOTT R FRITCHER3 Filed as: SCOTT R. FRITCHER | 9655 NORTHWEST 74TH PLACE GRIMES, IA 50111 | AFLAC | $28 | — | $28 | 0.33% |
| PEAK INC3 | PO BOX 514 MITCHELL, SD 57301 | AFLAC | $20 | — | $20 | 0.23% |
| JAMES F CHRISTENSEN3 | 1200 14TH AVE W SPENCER, IA 51301 | AFLAC | $18 | — | $18 | 0.21% |
| TARA L. PATRICK3 | P.O. BOX 388 EVERLY, IA 51338 | AFLAC | $17 | — | $17 | 0.20% |
| JAMES L HAYES3 Filed as: JAMES L. HAYES | 1449 MARILYN DR NORTH LIBERTY, IA 52317 | AFLAC | $10 | — | $10 | 0.12% |
| RANDY JUNKMAN3 | 2617 27TH AVENUE, N. FORT DODGE, IA 50501 | AFLAC | $10 | — | $10 | 0.12% |
| REBEKAH N CHRIST3 Filed as: REBEKAH N. CHRIST | 1123 LAKE AVENUE STORM LAKE, IA 50588 | AFLAC | $8 | — | $8 | 0.09% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $7 | — | $7 | 0.08% |
| MITCHELL FRIEHE & ASSOCIATES INC3 Filed as: MITCHELL FRIEHE & ASSOCIATES, INC. | 16909 PALISADES DR OMAHA, NE 68136 | AFLAC | $6 | — | $6 | 0.07% |
| CHARLOTTE A THORSON3 | 1501 ROOSEVELT DRIVE ATLANTIC, IA 50022 | AFLAC | $5 | — | $5 | 0.06% |
| MITCHELL J FRIEHE3 Filed as: MITCHELL J. FRIEHE | 16909 PALISADES DR OMAHA, NE 68136 | AFLAC | $4 | — | $4 | 0.05% |
| JAMES A SMAARDYK3 Filed as: JAMES A. SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $3 | — | $3 | 0.03% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD R. KIMBROUGH | 1972 MUIRFIELD WAY, S.E. PALM BAY, FL 32909 | AFLAC | $3 | — | $3 | 0.03% |
| WILLIAM CLAY ARNOLD3 | 102 HOLLY COURT NATCHEZ, MS 39120 | AFLAC | $2 | — | $2 | 0.02% |
| CYNTHIA M. KREJCI3 | 305 EAST 14TH STREET SPENCER, IA 51301 | AFLAC | $1 | — | $1 | 0.01% |
| HEATHER D SWANSON3 Filed as: HEATHER D. SWANSON | 4608 67TH STREET URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.01% |
| BERNARD J BRAZEAU3 Filed as: BERNARD J. BRAZEAU | 6705 GRIMES STREET INDIANOLA, IA 50125 | AFLAC | $1 | — | $1 | 0.01% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 204 | $691K |
| Dental | DELTA DENTAL OF IOWA | 115 | $51K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 121 | $11K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 300 | $17K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 300 | $17K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 300 | $17K |
| Other | AFLAC | 7 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.