| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY | PO BOX 91147 SIOUX FALLS, SD 57108 | WELLMARK BLUE CROSS BLUE SHIELD | $33K | — | $33K | 1.16% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 16.26% |
| DAILYFEATS INC. Filed as: DAILYFEATS INC | 131 TREMONT ST BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.17% |
| DAILYFEATS INC. Filed as: DAILYFEATS INC | 131 TREMONT ST BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $991 | — | $991 | 2.19% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $567 | — | $567 | 1.25% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MUPRHY | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 19.08% |
| SMITH, THOMAS, CHRISTOPHER | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73 | — | $73 | 0.22% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY | 5120 S SOLBERG AVE SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $3K | — | $3K | 21.00% |
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 | 969 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 969 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD | 219 | $2.8M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 174 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $61K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $34K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.