| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 15.39% |
| DAILY FEATS INC3 | 131 TREMONT ST 3RD FLOOR BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 10.29% |
| DAILY FEATS INC3 | 131 TREMONT ST 3RD FLOOR BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $9K | $92 | $9K | 15.15% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | PO BOX 441 DES MOINES, IA 50302 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $311 | $2K | 10.58% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | 5120 S SOLBERG AVE PO BOX 91147 SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $3K | — | $3K | — |
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 | 388 | 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) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD | 239 | $2.5M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 441 | $0 |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 142 | $20K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 379 | $64K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 379 | $64K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 379 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.