| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $2K | $44 | $2K | 5.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET KANSAS CITY, MO 64112 | DELTA DENTAL OF IOWA | $324 | — | $324 | 0.69% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $0 | $161 | $161 | 0.34% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN - OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $477 | $3K | 13.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $379 | — | $379 | 1.44% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN - OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $316 | $2K | 9.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $186 | — | $186 | 1.06% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DR NW STE 100 ROCHESTER, MN 559015028 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.36% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 DES MOINES, IA 503020441 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $388 | — | $388 | 2.63% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCATIES INC | ATTN - OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $217 | $2K | 15.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $171 | — | $171 | 1.41% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW STE 100 ROCHESTER, MN 55901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 131 | $1.1M |
| Dental | DELTA DENTAL OF IOWA | 97 | $47K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $15K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $26K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 131 | $1.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.