| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHEY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 503069207 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 13.29% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $764 | — | $764 | 1.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHEY & ASSOCIATES LLC | ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHEY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 17.29% |
| LEESA J CHURCHILL3 Filed as: LEESA JO CHURCHILL | 13929 WOODRIDGE PATH SAVAGE, MN 55378 | AFLAC | $234 | $170 | $404 | 7.14% |
| HEATHER ANN PFLAUM3 | 4877 CLEARWATER CIR SAVAGE, MN 55378 | AFLAC | $105 | $40 | $145 | 2.56% |
| TONYA LYNNE WYNES3 | 6017 SCENIC LAKE DR GEORGETOWN, TX 78626 | AFLAC | $82 | $40 | $122 | 2.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHEY & ASSOCIATES LLC | ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9 | — | $9 | 10.59% |
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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 428 | $515K |
| Dental | DELTA DENTAL OF MINNESOTA | 444 | $117K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 431 | $31K |
| Life insurance | STANDARD INSURANCE COMPANY | 243 | $43K |
| Short-term disability | AFLAC | 5 | $6K |
| Long-term disability | AFLAC | 5 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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."
No prospect flags tripped on this filing.