| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES | 5120 SOUTH SOLBERG AVENUE PO BOX 91147 JIMMY SCHNEIDER SIOUX FALLS, SD 57108 | DELTA DENTAL OF SOUTH DAKOTA | $454 | — | $454 | 0.46% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $838 | $447 | $1K | 5.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $589 | $391 | $980 | 4.86% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $545 | $356 | $901 | 4.69% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $256 | $205 | $461 | 4.39% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $4K | $149 | $4K | 56.57% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 238 | $99K |
| Vision | STANDARD INSURANCE COMPANY | 84 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 173 | $20K |
| Short-term disability | STANDARD INSURANCE COMPANY | 36 | $19K |
| Long-term disability | STANDARD INSURANCE COMPANY | 40 | $22K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 173 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.