| 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 | $53K | — | $53K | 2.83% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $97 | $5K | 4.51% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 14.53% |
| BENEFIT ADVISOR SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY STE 375 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $843 | — | $843 | 2.38% |
| HOLMES MURPHY & ASSOCIATES4 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $343 | $2K | 9.58% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $537 | $2K | 12.87% |
| BENEFIT ADVISOR SERVICES GROUP LLC | 1120 SANCTUARY PARKWAY STE 375 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $376 | — | $376 | 2.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $420 | $2K | 12.85% |
| BENEFIT ADVISOR SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY STE 375 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $296 | — | $296 | 2.04% |
| HOLMES MURPHY & ASSOCIATES1 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 | 237 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK, INC WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 185 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 413 | $119K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 305 | $19K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $18K |
| Prescription drug | DISCOVERY BENEFITS | 24 | $0 |
| Other(4 contracts, 3 carriers) | WELLMARK, INC WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 248 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.