| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $2K | $490 | $3K | 3.27% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $2K | $433 | $3K | 7.43% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $17K | $1K | $18K | 66.93% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $1K | $773 | $2K | 12.28% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $327 | $169 | $496 | 3.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $155K |
| HOLMES MURPHY & ASSOCIATES EIN 42-0985055 BROKER | Other commissions Service code 55 | — | $69K |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE | 139 | $16K |
| Dental | STANDARD INSURANCE COMPANY | 149 | $79K |
| Vision | STANDARD INSURANCE COMPANY | 134 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 185 | $35K |
| Short-term disability | STANDARD INSURANCE COMPANY | 50 | $17K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 139 | $383K |
| Other | STANDARD INSURANCE COMPANY | 185 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.