| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SARA K BRADSHAW3 | PO BOX 441 DES MOINES, IA 50302 | HEALTHPARTNERS UNITYPOINT HEALTH | — | $66K | $66K | 1.92% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.25% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $203 | $2K | 1.80% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.71% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $127 | $2K | 1.81% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.42% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $119 | $1K | 1.85% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.94% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | PO BOX 441 DES MOINES, IA 50302 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $29 | — | $29 | 0.08% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.63% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $226 | $10 | $236 | 1.71% |
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 | 380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS UNITYPOINT HEALTH | 290 | $3.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 483 | $36K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 380 | $68K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 380 | $125K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 380 | $85K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 380 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.