| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | — | $34K | 2.74% |
| C2 CENTRIC LLC3 | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 0.91% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 0.99% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES | P.O. BOX 9207 DES MOINES, IA 50306 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $9K | $9K | 0.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, LLC | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $72K | — | $72K | 9.96% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, LLC | P.O. BOX 9207 DES MOINES, IL 300097630 | PRINCIPAL LIFE INSURANCE COMPANY | — | $24K | $24K | 3.37% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | PRINCIPAL LIFE INSURANCE COMPANY | — | $14K | $14K | 1.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $2.2M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $4K |
| HOLMES MURPHY AND ASSOCIATES EIN 42-0985055 BROKER | Other commissions Service code 55 | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TN 75251 | $0 |
| HOLMES, MURPHY AND ASSOCIATES EIN 42-0985055 BROKER | Other commissions Service code 55 | P.O. BOX 9207 DES MOINES, IA 50306 | $0 |
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 | 1,607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,607 | $1.1M |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 2,494 | $201K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 3,062 | $719K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 3,062 | $719K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 3,062 | $719K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,589 | $1.2M |
| Other | HYATT LEGAL PLANS, INC | 267 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,062 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.