| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 500 1ST AVE NE SUITE 300 CEDAR RAPIDS, IA 52401 | BLUE CROSS BLUE SHIELD | $33K | $5K | $38K | 0.56% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | CIGNA GROUP INSURANCE | $20K | — | $20K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | CIGNA GROUP INSURANCE | — | $4K | $4K | 2.22% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | CIGNA GROUP INSURANCE | $12K | — | $12K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | CIGNA GROUP INSURANCE | — | $2K | $2K | 1.97% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 25.00% |
| HOLMES MURPHY & ASSOCIATES3 | 500 1ST AVE NE SUITE 300 CEDAR RAPIDS, IA 503069207 | COMBINED INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.31% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | CIGNA GROUP INSURANCE | $2K | — | $2K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 | 3011 WESTOWN PKWY WEST DES MOINES, IA 50266 | CIGNA GROUP INSURANCE | $428 | — | $428 | 2.29% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | CIGNA GROUP INSURANCE | — | $378 | $378 | 2.10% |
| HOLMES MURPHY & ASSOCIATES3 | 201 1ST ST SE SUITE 700 CEDAR RAPIDS, IA 52401 | COMBINED INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 6.64% |
| HOLMES MURPHY & ASSOCIATES3 | 500 1ST AVE NE SUITE 300 CEDAR RAPIDS, IA 52401 | COMBINED INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 2.33% |
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 | 813 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 1,201 | $6.9M |
| Dental | DELTA DENTAL | 633 | $25K |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 906 | $35K |
| Life insurance | CIGNA GROUP INSURANCE | 814 | $196K |
| Short-term disability(3 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 814 | $198K |
| Long-term disability | CIGNA GROUP INSURANCE | 133 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,201 | — |
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.