| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON DBA PEC | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $22K | — | $22K | 11.66% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 5.39% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $230 | — | $230 | 0.12% |
| ALLEN BAKER3 Filed as: ALLEN C BAKER | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $100 | — | $100 | 0.05% |
| BRENNAN D BAKER3 | 6200 SAVOY STE 345 HOUSTON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $68 | — | $68 | 0.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | STARMOUNT LIFE INSURANCE COMPANY | $19K | $3K | $22K | 11.75% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON DBA PEC | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $13K | — | $13K | 11.25% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 4.94% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $195 | — | $195 | 0.17% |
| ALLEN BAKER3 Filed as: ALLEN C BAKER | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $87 | — | $87 | 0.07% |
| BRENNAN D BAKER3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $58 | — | $58 | 0.05% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 11.75% |
| 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% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON DBA PEC | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 13.46% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 5.98% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $217 | — | $217 | 0.29% |
| ALLEN BAKER3 Filed as: ALLEN C BAKER | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $96 | — | $96 | 0.13% |
| BRENNAN D BAKER | 6200 SAVOY STE 345 HOUSTON, TX 77036 | TRUSTMARK INSURANCE COMPANY | $64 | — | $64 | 0.09% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCATES, LLC | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $6K | — | $6K | 9.98% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $851 | $6K | 11.44% |
| ASSUREDPARTNERS0 Filed as: ASSURED PARTNERS OF HOUSTON LLC | 6200 SAVOY STE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $487 | $6K | 12.98% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P.O. BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.12% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $3K | $3K | 5.95% |
| 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 | — | $290K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $156K |
| ALIGHT SOLUTIONS LLC EIN 82-1061233 NONE | Other services; Consulting (general) Service code 16 | — | $18K |
| WAGEWORKS EIN 94-3351864 NONE | Other services; Claims processing Service code 12 | — | $13K |
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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 375 | $185K |
| Vision | VISION SERVICE PLAN | 346 | $61K |
| Life insurance(3 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 320 | $340K |
| Short-term disability(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 567 | $199K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 288 | $49K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 262 | $843K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 288 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.