| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOC LLC | 3001 WESTOWN PARKWAY DES MOINES, IA 50266 | SIRIUS AMERICA | — | $57K | $57K | 28.42% |
| EMPLOYEE GROUP SERVICES, LTD3 Filed as: EMPLOYEE GROUP SERVICES, LTD DBA AU | 424 FIRST AVENUE NORTHEAST CEDAR RAPIDS, IA 52401 | SIRIUS AMERICA | $11K | — | $11K | 5.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $284 | $4K | 16.25% |
| JANE W BARNHILL3 Filed as: JANE M POTTEBAUM | 19258 HAWTHORNE AVENUE CARROLL, IA 51401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 13.81% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 13.14% |
| AMY E COHEN3 Filed as: AMY J RENZE | 23121 215TH STREET CARROLL, IA 51401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $557 | — | $557 | 2.84% |
| TYONIA EGGERS INC3 | 104 BASS STREET STORM LAKE, IA 50588 | CONTINENTAL AMERICAN INSURANCE COMPANY | $387 | — | $387 | 1.97% |
| MARY M GRUNDMEIER3 | 1825 NORTH CARROLL STREET CARROLL, IA 51401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | — | $187 | 0.95% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $201 | $3K | 16.30% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $191 | $2K | 11.22% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $154 | $2K | 16.08% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | VERATRUS BENEFIT SOLUTIONS | $1K | — | $1K | 10.00% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VERATRUS BENEFIT SOLUTIONS | 101 | $12K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $30K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 44 | $23K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 49 | $14K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA | 135 | $201K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 142 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.