| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES | P.O. BOX 441 DES MOINES, IA 50302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $468K | $106K | $574K | 4.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TEXAS EIN 36-1236610 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $7.9M |
| EXPRESS SCRIPTS EIN 43-1420563 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $3.2M |
| METROPOLITAN LIFE INS. CO. EIN 13-5581829 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $587K |
| LINCOLN NATIONAL LIFE EIN 35-0472300 CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | — | $250K |
| CONNECTYOURCARE (OPTUM) CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 307 INTERNATIONAL CIRCLE SUITE 200 HUNT VALLEY, MD 21030 | $44K |
| HOLMES, MURPHY AND ASSOCIATES ADVISOR | Insurance agents and brokers Service code 22 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 40266 | $14K |
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 | 23,695 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,499 | $10.0M |
| Vision | VISION SERVICE PLAN | 15,747 | $2.1M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 23,748 | $12.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 23,748 | $12.5M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 23,765 | $13.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,765 | — |
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."
No prospect flags tripped on this filing.