| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $9K | $862 | $10K | 7.37% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $728 | $5K | $6K | 4.36% |
| BAMBOO HR, LLC3 Filed as: BAMBOO HR. LLC | 42 FUTURE WAY DRAPER, UT 84020 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 2.01% |
| BAMBOO HR, LLC3 | 42 FUTURE WAY DRAPER, UT 84020 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.58% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, INC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.72% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 15.24% |
| BAMBOO HR, LLC3 | 42 FUTURE WAY DRAPER, UT 84020 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 3.68% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $276 | $0 | $276 | 0.58% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 357 | $124K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 357 | $124K |
| Life insurance | STANDARD INSURANCE COMPANY | 167 | $133K |
| Short-term disability | STANDARD INSURANCE COMPANY | 167 | $133K |
| Long-term disability | STANDARD INSURANCE COMPANY | 167 | $133K |
| Other | STANDARD INSURANCE COMPANY | 167 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.