| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $2K | $2K | 1.17% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $2K | $2K | 1.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $11K | $629 | $11K | 7.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services; Other fees; Direct payment from the plan Service code 12 | — | $2.1M |
| COMPASS PROFESSIONAL HEALTH SVC EIN 35-2263629 NONE | Participant communication; Other fees; Other services; Direct payment from the plan Service code 38 | — | $167K |
| WELLVIBE, LLC NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Direct payment from the plan; Other services Service code 15 | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | $100K |
| EHEALTH SCREENINGS, LLC EIN 26-2387917 NONE | Direct payment from the plan; Participant communication; Other services; Other fees Service code 38 | — | $95K |
| DELTA DENTAL INSURANCE CO. EIN 94-2761537 NONE | Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $88K |
| OCCUVAX, LLC EIN 81-0550703 NONE | Other services; Other fees; Direct payment from the plan Service code 49 | — | $50K |
| NS412, LLC EIN 26-2868596 NONE | Other services; Direct payment from the plan; Other fees Service code 49 | — | $44K |
| LANE GORMAN TRUBITT, LLC EIN 75-1044330 NONE | Direct payment from the plan; Accounting (including auditing); Other fees Service code 10 | 2626 HOWELL, 7TH FLOOR DALLAS, TX 75204 | $24K |
| WOLCOTT & ASSOCIATES, INC. EIN 35-3560082 NONE | Accounting (including auditing); Direct payment from the plan; Other fees Service code 10 | — | $18K |
| CAREMARK, LLC EIN 95-3382344 NONE | Other fees; Claims processing; Direct payment from the plan Service code 12 | ONE CVS DRIVE WOONSOCKET, RI 02895 | $15K |
| HEALTHEQUITY, INC. EIN 52-2383166 NONE | Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $11K |
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 | 2,731 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALPHA DENTAL PROGRAMS, INC. | 184 | $18K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,772 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,828 | $364K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,828 | $318K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 2,772 | $1.6M |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,828 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,772 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.