| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $12K | 16.92% |
| SELECT NETWORKS3 | 6165 NW 86TH STREET SUITE 108 JOHNSTON, IA 50131 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.88% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50302 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.80% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $588 | — | $588 | 10.01% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $4K | $675 | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $106K |
| HOLMES MURPHY & ASSOCIATES EIN 42-0985055 BROKER | Other commissions Service code 55 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | $24K |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 77 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 114 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $69K |
| Other(3 contracts, 3 carriers) | TOKIO MARINE | 112 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.