| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES,MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $75K | $75K | 5.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $45 | $32K | 12.36% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.51% |
| SELECT NETWORKS3 | 317 6TH AVENUE SUITE 1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | PO BOX 9207 DES MOINES, IA 50306 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| JENNON CARUTH3 | 6400 FLYING CLOUD DRIVE SUITE 215 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $104 | $2K | 44.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | METROPOLITAN LIFE INSURANCE COMPANY | $923 | $45 | $968 | 20.89% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.56% |
| JENNON CARUTH3 | 6400 FLYING CLOUD DRIVE SUITE 215 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $886 | $81 | $967 | 30.61% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | METROPOLITAN LIFE INSURANCE COMPANY | $537 | $45 | $582 | 18.42% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19 | $19 | 0.60% |
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 | 582 | 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) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 362 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $259K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 196 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $259K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $259K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $259K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.