| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE STE. 100 DALLAS, TX 75251 | IHC RISK | $109K | — | $109K | 15.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNION SECURITY INSURANCE COMPANY | $24K | — | $24K | 9.95% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 3333 LEE PARKWAY, STE 900 DALLAS, TX 75219 | UNION SECURITY INSURANCE COMPANY | — | $14K | $14K | 5.76% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | AIG | $4K | — | $4K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 12712 PARK CENTRAL DR. STE 100 DALLAS, TX 75251 | UNION DENTAL CARE OF TEXAS, INC. | $2K | — | $2K | 10.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 3333 LEE PARKWAY, STE 900 DALLAS, TX 75219 | UNION DENTAL CARE OF TEXAS, INC. | — | $658 | $658 | 3.25% |
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 | 248 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 232 | $259K |
| Vision | UNION SECURITY INSURANCE COMPANY | 232 | $238K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 232 | $238K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 232 | $238K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 232 | $238K |
| Stop-loss / reinsurancereinsurance | IHC RISK | 241 | $730K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 248 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.