| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 752511527 | BLUE CROSS BLUE SHIELD OF TEXAS | $52K | — | $52K | 2.86% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 N CENTRAL EXPY, SUITE 1100 DALLAS, TX 752312313 | BLUE CROSS BLUE SHIELD OF TEXAS | $20K | $3K | $23K | 1.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 752511527 | COLORADO CHOICE HEALTH PLANS | $16K | — | $16K | 1.11% |
| NANCY PROCTOR3 | 21994 COUNTY ROAD 18 ROCKY FORD, CO 81067 | COLORADO CHOICE HEALTH PLANS | $6K | — | $6K | 0.39% |
| LB BENEFITS INC3 | 3901 15TH STREET D MOLINE, IL 61265 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $11K | $23K | 7.40% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 752511527 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.85% |
| LB BENEFITS INC3 | 3901 15TH STREET D MOLINE, IL 61265 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 752511527 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.08% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 9207 DES MOINES, IA 503069207 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 7.20% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 N CENTRAL EXPY, SUITE 1100 DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 2.71% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 752511527 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 6.58% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 N CENTRAL EXPY, SUITE 1100 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $6K | 5.88% |
| CHERRY CREEK BENEFITS3 | 9781 S MERIDIAN BLVD, STE 110 ENGLEWOOD, CO 801125935 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $12 | $3K | 4.95% |
| IPS ADVISORS3 Filed as: IPS ADVISORS INC | 10000 N CENTRAL EXPY, SUITE 1100 DALLAS, TX 752312313 | HUMANA | $1K | — | $1K | 7.41% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 752511527 | HUMANA | $1K | — | $1K | 5.92% |
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 | 783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 545 | $3.2M |
| Dental(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $680K |
| Vision(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $514K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 783 | $595K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 783 | $595K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 783 | $595K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 545 | $1.8M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 783 | $595K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 783 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.