| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | TRUSTMARK INSURANCE COMPANY | $27K | — | $27K | 9.87% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $15K | — | $15K | 5.47% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON DBA PEC | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $14K | — | $14K | 5.15% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $348 | — | $348 | 0.13% |
| ALLEN BAKER3 Filed as: ALLEN C BAKER | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $136 | — | $136 | 0.05% |
| BRENNAN D BAKER3 | 6200 SAVOY STE 345 HOUSTON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $111 | — | $111 | 0.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | STARMOUNT LIFE INSURANCE COMPANY | $24K | $5K | $29K | 12.09% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 6.43% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 3.96% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON DBA PEC | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 3.11% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $261 | — | $261 | 0.16% |
| ALLEN BAKER3 Filed as: ALLEN C BAKER | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $103 | — | $103 | 0.06% |
| BRENNAN D BAKER3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $84 | — | $84 | 0.05% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 7.84% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 5.37% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON DBA PEC | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 4.66% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $297 | — | $297 | 0.28% |
| ALLEN BAKER3 Filed as: ALLEN C BAKER | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $115 | — | $115 | 0.11% |
| BRENNAN D BAKER | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $94 | — | $94 | 0.09% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 11.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 11.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCATES, LLC | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $6K | — | $6K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 11.05% |
| PROFESSIONAL ENROLLMENT CONCEPTS0 Filed as: PROFESSIONAL ENROLLMENT CONCEPTS IN | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $12K | 21.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 13.83% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 4.09% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 5949 SHERRY LANE STE 1170 DALLAS, TX 75225 | HCC LIFE INSURANCE COMPANY | $358 | — | $358 | 0.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $306K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $159K |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Consulting (general); Other services Service code 16 | — | $20K |
| WAGEWORKS EIN 94-3351864 NONE | Claims processing; Other services Service code 12 | — | $7K |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 406 | $297K |
| Vision | VISION SERVICE PLAN | 369 | $65K |
| Life insurance(3 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 529 | $407K |
| Short-term disability(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 590 | $247K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $60K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 278 | $708K |
| Other(4 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 312 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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.
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.