| 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, INC. | $18K | — | $18K | 3.32% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES, LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 9.09% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES, LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $2K | $79 | $2K | 6.21% |
| SELECT NETWORKS5 | 317 6TH AVE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 33.01% |
| ASSUREDPARTNERS5 Filed as: ASSURED PARTNERS GREAT | 4200 UNIVERSITY AVE, STE 200 WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 15.69% |
| HOLMES MURPHY & ASSOCIATES5 Filed as: HOLMES-MURPHY & ASSOCIATES, LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.94% |
| BENEFIT ADVISORS ACUMEN5 | 425 2ND STREET SE, STE 1275 CEDAR RAPIDS, IA 52401 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $400 | — | $400 | 2.98% |
| GROUP BENEFITS LTD5 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $144 | — | $144 | 1.07% |
| PIPAC-IOWA5 | 1304 TECHNOLOGY PARKWAY, STE 200 CEDAR FALLS, IA 50613 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $41 | — | $41 | 0.31% |
| ERIN MARIE STRAIT3 | 3127 S CYPRESS ST SIOUX CITY, IA 51106 | AFLAC | $258 | — | $258 | 4.73% |
| AMY HANSEN & ASSOCIATES, INC.3 | PO BOX 406 SPENCER, IA 51301 | AFLAC | $177 | — | $177 | 3.24% |
| LEO F. FONDROY3 Filed as: LEO F FONDROY | PO BOX 384 CHEROKEE, IA 51012 | AFLAC | $101 | — | $101 | 1.85% |
| PATRICIA K FITZPATRICK3 | 1415 580TH STREET STORM LAKE, IA 50588 | AFLAC | $88 | — | $88 | 1.61% |
| JANE W BARNHILL3 Filed as: JANE M POTTEBAUM | 19258 HAWTHORNE AVENUE CARROLL, IA 51401 | AFLAC | $84 | — | $84 | 1.54% |
| TAMMY ZEMLER3 | PO BOX 473 SPIRIT LAKE, IA 51360 | AFLAC | $52 | — | $52 | 0.95% |
| SCOTT R FRITCHER3 | 7408 LONGBOAT DR JOHNSTON, IA 50131 | AFLAC | $30 | — | $30 | 0.55% |
| TYONIA EGGERS INC3 | 102 BASS ST STORM LAKE, IA 50588 | AFLAC | $29 | — | $29 | 0.53% |
| JAMES F CHRISTENSEN3 | 1200 14TH AVE W SPENCER, IA 51301 | AFLAC | $20 | — | $20 | 0.37% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $10 | — | $10 | 0.18% |
| REBEKAH N CHRIST3 | 1123 LAKE AVENUE STORM LAKE, IA 50588 | AFLAC | $8 | — | $8 | 0.15% |
| CHARLOTTE A THORSON3 | 1501 ROOSEVELT DRIVE ATLANTIC, IA 50022 | AFLAC | $6 | — | $6 | 0.11% |
| TYONIA N EGGERS3 | 102 BASS ST STORM LAKE, IA 50588 | AFLAC | $4 | — | $4 | 0.07% |
| WILLIAM CLAY ARNOLD3 | 102 HOLLY COURT NATCHEZ, MS 39120 | AFLAC | $3 | — | $3 | 0.05% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $2 | — | $2 | 0.04% |
| HEATHER D SWANSON3 | 115 SE BAYTREE DR WAUKEE, IA 50263 | AFLAC | $2 | — | $2 | 0.04% |
| THERESA WILLIAMS JONES3 | 125 CLIFFVIEW DR QUITMAN, AR 72131 | AFLAC | $2 | — | $2 | 0.04% |
| JAMES A SMAARDYK3 | 3972 HOLLIS AVE PORT CHARLOTTE, FL 33953 | AFLAC | $1 | — | $1 | 0.02% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GRAVIE, INC. | 77 | $553K |
| Dental | DELTA DENTAL OF IOWA | 90 | $38K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 124 | $13K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 125 | $89K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 125 | $89K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 125 | $89K |
| Other | AFLAC | 4 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.