| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 503069207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $617 | $6K | 11.06% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 503069207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $388 | $5K | 16.22% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPAHRETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| SELECT NETWORKS3 | 317 6TH AVE., SUITE 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.37% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.43% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 503069207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $314 | $3K | 11.32% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 44 DES MOINES, IA 503069207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $103 | $2K | 10.74% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MCNEASE & ASSOC3 | PO BOX 36397 PENSACOLA, FL 325166397 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $464 | — | $464 | 13.39% |
| TWC MARKETING & DVLPMENT INC3 Filed as: TWC MARKETING & DEVELOPMENT INC | 110 LOGAN LANE STE 1 SANTA ROSA BEACH, FL 32459 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 1.88% |
| MCNEASE & ASSOC3 | P.O. BOX 36397 PENSACOLA, FL 325166397 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 2.23% |
| TWC MARKETING & DVLPMENT INC3 Filed as: TWC MARKETING & DEVELOPMENT INC. | 110 LOGAN LANE SUITE 1 SANTA ROSA BEACH, FL 32459 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.80% |
| MCNEASE & ASSOC3 | PO BOX 36397 PENSACOLA, FL 325166397 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | — | $112 | 12.06% |
| TWC MARKETING & DVLPMENT INC3 Filed as: TWC MARKETING & DEVELOPMENT INC | 110 LOGAN LANE STE 1 SANTA ROSA BEACH, FL 32459 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 2.58% |
| MCNEASE & ASSOC3 | P.O. BOX 36397 PENSACOLA, FL 325166397 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 10.07% |
| TWC MARKETING & DVLPMENT INC3 Filed as: TWC MARKETING & DEVELOPMENT INC | 110 LOGAN LANE SUITE 1 SANTA ROSA BEACH, FL 32459 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 1.98% |
| MCNEASE & ASSOC3 | PO BOX 36397 PENSACOLA, FL 325166397 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 3.85% |
| TWC MARKETING & DVLPMENT INC3 Filed as: TWC MARKETING & DEVELOPMENT INC | 110 LOGAN LANE STE 1 SANTA ROSA BEACH, FL 32459 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 1.13% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $4K | $167 | $5K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | DELTA DENTAL OF IOWA | $0 | $63 | $63 | — |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 7 | $26K |
| Dental | DELTA DENTAL OF IOWA | 261 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 353 | $29K |
| Life insurance(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 333 | $98K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 333 | $32K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 333 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.