| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $120K | — | $120K | 1.46% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY DES MOINES, IA 503069207 | DELTA DENTAL OF IOWA | $18K | $679 | $19K | 4.95% |
| VISUAL BENEFIT COMMUNICATIONS INC3 | 7500 MEMORIAL PKWY SW STE 211 HUNTSVILLE, AL 35802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31K | $5K | $36K | 13.36% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30K | — | $30K | 11.04% |
| BAGWELL, TEARLE, DAVID3 | 7500 S MEMORIAL PKWY STE 211 HUNTSVILLE, AL 35802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | — | $20K | 7.31% |
| MCFARLAND, HEATHER, DIANE BAGWELL3 | 235 SPANO ROAD MADISON, AL 35757 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 3.47% |
| TYLER, GENE, RAYMOND3 | 4550 STATE HWY 360, SUITE 190 GRAPEVINE, TX 76051 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 3.05% |
| USB HEALTH LLC3 | 4550 STATE HWY 360, SUITE 190 GRAPEVINE, TX 76051 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.41% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | PO BOX 91147 SIOUX FALLS, SD 571091147 | HARTFORD LIFE & ACCIDENT | $7K | $504 | $8K | 15.07% |
| VISUAL BENEFIT COMMUNICATIONS INC5 Filed as: VISUAL BENEFIT COMMUNICATIONS | 7500 MEMORIAL PKWY SW STE 211 HUNTSVILLE, AL 35802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $555 | $9K | 22.10% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $32 | $5K | 11.82% |
| MCFARLAND, HEATHER, DIANE BAGWELL3 | 235 SPANO RD MADISON, AL 35757 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.48% |
| USB HEALTH LLC3 | 4550 STATE HWY 360, SUITE 190 GRAPEVINE, TX 76051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.41% |
| TYLER, GENE, RAYMOND3 | 4550 STATE HWY 360, SUITE 190 GRAPEVINE, TX 76051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $683 | — | $683 | 1.77% |
| BAGWELL, TEARLE, DAVID3 | 7500 S MEMORIAL PKWY STE 211 HUNTSVILLE, AL 35802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VISUAL BENEFIT COMMUNICATIONS, INC NONE | Contract Administrator Service code 13 | 7500 SOUTH MEMORIAL PARKWAY, 211 HUNTSVILLE, AL 35802 | $46K |
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 | 1,683 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 1,151 | $8.2M |
| Dental | DELTA DENTAL OF IOWA | 1,129 | $374K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,683 | $318K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,683 | $267K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 1,599 | $51K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 1,151 | $8.2M |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,683 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,683 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.