| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES | PO BOX 9207 DES MOINES, IA 503069207 | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | $28K | — | $28K | 1.64% |
| STEVE FRISBIE3 | 5120 S SOLBERG AVE PO BOX 91147 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $3K | — | $3K | 1.41% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 6.48% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES, INC. | PO BOX 91147 SIOUX FALLS, SD 571091147 | VISION SERVICE PLAN | $2K | — | $2K | 3.02% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 150 | $1.7M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 431 | $194K |
| Vision | VISION SERVICE PLAN | 156 | $73K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $114K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $114K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 150 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.