| 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 | $36K | $11K | $47K | 13.18% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $29K | $8K | $37K | 13.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Direct payment from the plan; Other services; Other fees; Claims processing Service code 12 | — | $1.2M |
| HEALTH CARE SERVICE CORP EIN 36-1236610 NONE | Other fees; Other services; Direct payment from the plan; Contract Administrator Service code 13 | — | $664K |
| COORDINATED CARE PROGRAMS LLC EIN 20-8423895 NONE | Other services; Direct payment from the plan; Other fees; Participant communication Service code 38 | — | $412K |
| AMERIBEN/IEC GROUP EIN 82-0497661 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Direct payment from the plan; Participant communication; Other fees; Contract Administrator Service code 12 | — | $332K |
| EHEALTHSCREENINGS LLC EIN 26-2387917 NONE | Direct payment from the plan; Other services; Other fees; Participant communication Service code 38 | — | $118K |
| ALLOSTATIX LLC EIN 46-2092371 NONE | Other fees; Other services; Direct payment from the plan; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $97K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 NONE | Contract Administrator; Direct payment from the plan; Other services; Other fees; Claims processing Service code 12 | — | $91K |
| COMPASS PROFESSIONAL HEALTH SERVICE EIN 35-2263629 NONE | Direct payment from the plan; Other services; Other fees; Participant communication Service code 38 | — | $50K |
| OCCUVAX, LLC EIN 81-0550703 NONE | Other fees; Other services; Direct payment from the plan Service code 49 | — | $48K |
| LANE GORMAN TRUBITT LLC EIN 75-1044330 NONE | Direct payment from the plan; Accounting (including auditing); Other fees Service code 10 | — | $25K |
| CAREMARK, LLC EIN 95-3382344 NONE | Participant communication; Other fees; Direct payment from the plan; Other services; Claims processing Service code 12 | — | $16K |
| HEALTH EQUITY, INC. EIN 52-2383166 NONE | Claims processing; Other fees; Direct payment from the plan; Other services Service code 12 | — | $10K |
| MORNEAU SHEPPELL LTD EIN 52-1883918 NONE | Other fees; Other services; Direct payment from the plan; Participant communication Service code 38 | — | $5K |
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 | 3,221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,128 | $206K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,047 | $356K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,977 | $284K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 2,847 | $724K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,047 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,847 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.