| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES INC. | 3001 WESTOWN PARKWAY P.O. BOX 9207 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $4K | $26K | 11.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, LLC | 3001 WESTOWN PKWY DES MOINES, IA 50306 | VISION SERVICE PLAN | $6K | $0 | $6K | 7.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES INC. | 3001 WESTOWN PARKWAY P.O. BOX 9207 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $888 | $9K | 16.89% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATION INC. | P.O. BOX 9207 DES MOINES, IA 50306 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $8K | $46K | — |
| NETWORK INS PLANNING CORP3 Filed as: NETWORK INS PLANNING CORPORATION | PO BOX 821388 DALLAS, TX 75382 | METROPOLITAN LIFE INSURANCE COMPANY | -$686 | $0 | -$686 | — |
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 | 615 | 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) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 615 | $0 |
| Vision | VISION SERVICE PLAN | 380 | $71K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 629 | $225K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 629 | $225K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 629 | $225K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 629 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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.