| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | -$195 | — | -$195 | -0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS INC | 1824 WALNUT SUITE 700 KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 11.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 505115 SAINT LOUIS, MO 63150 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 3.31% |
| SELECT NETWORKS3 | 317 6TH AVENUE #1040 DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 11.00% |
| HOLMES MURPHY & ASSOCIATES3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 6.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITY PLACE DRIVE SUITE 900 ST LOUIS, MO 63141 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 4.08% |
| VISUAL BENEFIT COMMUNICATIONS INC3 Filed as: VISUAL BENEFIT COMMUNICATOINS INC | 360B QUALITY CIRCLE NORTHWEST SUITE 220 HUNTSVILLE, AL 35806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $625 | $8K | 19.90% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $150 | $4K | 11.09% |
| DIANE HEATHER MCFARLAND3 | 360B QUALITY CIRCLE SUITE 220 HUNTSVILLE, AS 35806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.35% |
| RAYMOND GENE TYLER3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.24% |
| USB HEALTH LLC3 | 4550 STATE HIGHWAY 360 SUITE 190 GRAPEVINE, TX 76051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85 | — | $85 | 0.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC- ST LOUIS | PO BOX 505115 ST LOUIS, MO 63150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | $1 | $6 | 0.02% |
| DAVID TEARLE BAGWELL3 | 360B QUALITY CIRCLE SUITE 220 HUNTSVILLE, AL 35806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.01% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $12K | $739 | $13K | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | THREE CITYPLACE DRIVE SUITE 900 ST LOUIS, MO 63141 | DELTA DENTAL OF IOWA | $10K | — | $10K | — |
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 | 1,803 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 1,321 | $8.6M |
| Dental | DELTA DENTAL OF IOWA | 1,385 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,110 | $87K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,921 | $174K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,921 | $174K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,976 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,976 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.