| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $45K | — | $45K | 4.91% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $5K | $20 | $5K | 5.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTURAY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $430 | $430 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTURAY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $385 | $385 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTURAY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $307 | $307 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | VERATRUS BUSINESS SOLUTIONS | $1K | — | $1K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTURAY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $292 | $292 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | EMPLOYEE & FAMILY RESOURCES, INC. | $326 | — | $326 | 7.99% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 159 | $926K |
| Dental | DELTA DENTAL OF IOWA | 150 | $102K |
| Vision | VERATRUS BUSINESS SOLUTIONS | 82 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $15K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 173 | $19K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 159 | $926K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.