| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK HEALTH PLAN OF IOWA | $25 | — | $25 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES-MURPHY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $0 | — | $0 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY WEST DES MOINES, IA 50306 | DELTA DENTAL OF IOWA | $5K | $198 | $5K | 4.91% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.28% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | VERATRUS BUSINESS SOLUTIONS | $2K | — | $2K | 9.30% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SVCS INC | 1025 BRADEN AVE CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 32.06% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 20.82% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $359 | — | $359 | 2.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $391 | $2K | 18.52% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $337 | $2K | 18.66% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $262 | $1K | 18.46% |
| MIDWEST HERITAGE3 Filed as: MIDWEST HERITAGE SVCS INC | 1025 BRADEN AVE CHARITON, IA 50049 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 32.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 50306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $694 | — | $694 | 21.08% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77 | — | $77 | 2.34% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 132 | $1.7M |
| Dental | DELTA DENTAL OF IOWA | 141 | $105K |
| Vision | VERATRUS BUSINESS SOLUTIONS | 109 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $41K |
| Short-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 35 | $20K |
| Long-term disability(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 39 | $40K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 132 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.