| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | 3001 WESTOWN PKWY W DES MOINES, IA 50266 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $36K | $36K | 2.00% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY & ASSOCIATES LLC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 13.28% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $56 | $56 | 0.06% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY AND ASSOC INC. | 12712 PARK CENTRAL DR SUITE 100 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 37.45% |
| C2 CENTRIC LLC | 11740 SW 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.11% |
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. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $17K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $17K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 175 | $92K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 175 | $92K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 175 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.