| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | — | $45K | 4.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, INC. | ATTN OPERATING ACCOUNT PO BOX 441 DES MOINES, IA 50302 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $53K | — | $53K | 9.95% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 201 1ST ST SE STE 700 CEDAR RAPIDS, IA 52401 | THE GUARDIAN LIFE INSURANCE COMPANY | $14K | $7K | $20K | 14.88% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY STE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY | $113 | — | $113 | 0.08% |
| OPES ONE ADVISORS LLC3 | 15303 DALLAS PARKWAY STE 550 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY | $30 | — | $30 | 0.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | THE STANDARD INSURANCE COMPANY | $8K | — | $8K | 12.38% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | THE STANDARD INSURANCE COMPANY | $649 | — | $649 | 1.03% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | THE STANDARD INSURANCE COMPANY | $130 | — | $130 | 0.21% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | THE STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.89% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | THE STANDARD INSURANCE COMPANY | $550 | — | $550 | 1.07% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | THE STANDARD INSURANCE COMPANY | $110 | — | $110 | 0.21% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 101 | $1.5M |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 106 | $667K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 106 | $136K |
| Life insurance(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 106 | $667K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 123 | $52K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 45 | $63K |
| Other(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 106 | $667K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.