| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 503069207 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $53K | $53K | 1.51% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY DES MOINES, IA 503069207 | DELTA DENTAL OF IOWA | $8K | $309 | $9K | 3.40% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $3K | $8K | 6.48% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 6.16% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 12.18% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY DES MOINES, IA 502661328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $678 | $140 | $818 | 13.26% |
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 | 957 | 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) | 957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,096 | $3.5M |
| Dental | DELTA DENTAL OF IOWA | 494 | $252K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 712 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 957 | $81K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 957 | $97K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 873 | $119K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 873 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,096 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.