| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $148K | — | $148K | 10.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | $52K | $14K | $66K | 5.62% |
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $36K | — | $36K | 3.50% |
| TRINITY INDUSTRIES, INC.3 | 14221 NORTH DALLAS PARKWAY SUITE 1100 DALLAS, TX 75254 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 0.55% |
| C2 CENTRIC LLC3 | P.O. BOX 6824 GRAND RAPIDS, WI 49516 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 0.27% |
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 8364 DES MOINES, IA 50301 | STANDARD INSURANCE COMPANY | — | $343 | $343 | 0.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES | P.O. BOX 441 DES MOINES, IA 50302 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 0.40% |
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 441 DES MOINES, IA 50302 | HM LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PARKWAY WAUKEE, IA 50263 | ZURICH AMERICAN INSURANCE COMPANY | $946 | — | $946 | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $946 | $946 | 15.00% |
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 | 1,709 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,865 | $1.0M |
| Vision | HM LIFE INSURANCE COMPANY | 3,348 | $204K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,211 | $2.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,929 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,929 | $1.2M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,974 | $1.4M |
| Other(2 contracts, 2 carriers) | MAGELLAN HEALTHCARE | 2,188 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,974 | — |
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.