| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | $28K | $65K | 7.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 7.23% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $5K | $28K | 23.91% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 16.23% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.76% |
| ANDERSON CINDY3 | 18862D 345TH STREET FOREST CITY, IA 50436 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.23% |
| PAPE ALAN3 Filed as: PAPE RHONDA | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $927 | — | $927 | 0.97% |
| PAPE DANE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $560 | — | $560 | 0.59% |
| PAPE ALAN3 Filed as: PAPE COLE M | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $402 | — | $402 | 0.42% |
| PAPE ALAN3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | — | $111 | 0.12% |
| PAPE ALAN3 Filed as: PAPE RHONDA S | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.09% |
| BURKE BRUCE3 | 832 DEKALB AVENUE #5C BROOKLYN, NY 11221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| SELECT NETWORKS3 | 317 6TH AVENUE SUITE 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 11.00% |
| HOLMES MURPHY & ASSOCIATES3 | 3333 LEE PARKWAY SUITE 900 DALLAS, TX 75219 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | PO BOX 9207 DES MOINES, IA 50306 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.39% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY ASSOCIATES | PO BOX 411 DES MOINES, IA 50302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 14.54% |
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 | 669 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 339 | $73K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 669 | $170K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 669 | $137K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 549 | $817K |
| Other(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,070 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,070 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.