| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $7K | $29K | 8.41% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $3K | $10K | $13K | 104.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HOLMES MURPHY AND ASSOCIATES LLC AGENT/BROKER | Insurance agents and brokers Service code 22 | PO BOX 441 800-247-7756 DES MOINES, IA 503020441 | $42K |
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 | 436 | 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) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK, INC. | 207 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 196 | $176K |
| Vision | VISION SERVICE PLAN | 212 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 436 | $343K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 436 | $343K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 436 | $343K |
| Prescription drug | WELLMARK, INC. | 207 | $2.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 436 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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."
No prospect flags tripped on this filing.