| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 502661328 | KAISER FOUNDATION HEALTH PLAN INC | $19K | — | $19K | 2.96% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | AETNA LIFE INSURANCE CO. | $66K | — | $66K | 10.54% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 502661328 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 3.13% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | 12712 PARK CENTRAL DRIVE STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $5K | $28K | 12.27% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | 12712 PARK CENTRAL DRIVE STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $4K | $24K | 11.87% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | 12712 PARK CENTRAL DRIVE STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $10K | 6.76% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES LLC | — | VISION SERVICE PLAN | $9K | — | $9K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | 12712 PARK CENTRAL DRIVE STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $534 | $3K | 12.36% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY, & ASSOCIATES, INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | HYATT LEGAL PLANS | $2K | $431 | $3K | 14.32% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATION INC | PO BOX 9207 DES MOINES, IA 503069207 | HYATT LEGAL PLANS | — | $21 | $21 | 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 | 1,189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,028 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 114 | $889K |
| Vision | VISION SERVICE PLAN | 1,017 | $85K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,093 | $225K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 694 | $142K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 1,094 | $625K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,099 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,099 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.