| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $175K | $177K | 5.28% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 0.14% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | AETNA LIFE INSURANCE CO. | $41K | $0 | $41K | 8.08% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | $9K | $4K | $12K | 3.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.90% |
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 | 5,123 | 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) | 5,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,239 | $3.9M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,239 | $3.9M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 425 | $547K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,123 | $833K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,123 | $833K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,123 | $326K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,239 | $3.3M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,123 | $833K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,123 | — |
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.