| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $27K | $27K | 3.42% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 503020441 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $413 | $4K | 4.42% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 503020441 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $193 | $7K | 16.81% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 503020441 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $178 | $6K | 16.72% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 503020441 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $92 | $3K | 16.81% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 503020441 | METROPOLITAN LIFE INSURANCE COMPANY | $883 | $45 | $928 | 11.54% |
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 | 87 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 66 | $783K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $83K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 177 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $37K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 87 | $39K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 87 | $19K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.