| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK, INC WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | $47K | — | $47K | 2.53% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.57% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $348 | $3K | 13.06% |
| BENEFIT ADVISOR SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY STE 375 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $574 | — | $574 | 2.38% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $225 | $2K | 11.33% |
| BENEFIT ADVISOR SERVICES GROUP LLC | 1120 SANCTUARY PARKWAY STE 375 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $334 | — | $334 | 2.04% |
| HOLMES MURPHY & ASSOCIATES4 Filed as: HOLMES MURPHY & ASSOCIATES INC | 2637 S 158TH PLAZA, STE 200 OMAHA, NE 68130 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $340 | $1K | 10.78% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $165 | $1K | 11.35% |
| BENEFIT ADVISOR SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY STE 375 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $242 | — | $242 | 2.04% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | DISCOVERY BENEFITS | — | $1K | $1K | — |
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 | 206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK, INC WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 175 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 366 | $83K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 228 | $14K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $16K |
| Prescription drug | DISCOVERY BENEFITS | 22 | $0 |
| Other(4 contracts, 3 carriers) | WELLMARK, INC WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 212 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.