| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR. STE. 100 DALLAS, TX 75251 | BCBSTX | $22K | $5K | $26K | 0.65% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | 12712 PARK CENTRAL DR. STE 100 DALLAS, TX 75251 | RELIANCE STANDARD | $18K | $3K | $21K | 17.35% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE STE 100 DALLAS, TX 75251 | RELIANCE STANDARD | $8K | $2K | $10K | 12.39% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 73102 | VISION SERVICE PLAN | $3K | $14K | $18K | 25.11% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR. STE 100 DALLAS, TX 75251 | THE STANDARD | $6K | — | $6K | 13.52% |
| BENEFIT ADVIRSOR SERVICES GROUP3 | 1120 SANTUARY PKWY STE 375 ALPHARETTA, GA 30009 | THE STANDARD | $495 | — | $495 | 1.08% |
| C2 CENTRIC LLC | PO BOX 6824 GRAND RAPIDS, MI 49516 | THE STANDARD | $189 | — | $189 | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX EIN 11-2581812 THIRD PARTY ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $33K |
| WAGE WORKS EIN 94-3351864 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $12K |
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 | 1,197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSTX | 1,197 | $4.1M |
| Dental | BCBSTX | 1,197 | $4.1M |
| Vision | VISION SERVICE PLAN | 409 | $70K |
| Short-term disability | RELIANCE STANDARD | 255 | $83K |
| Long-term disability | RELIANCE STANDARD | 595 | $122K |
| Stop-loss / reinsurancereinsurance | BCS | 1,197 | $265K |
| Other(2 contracts, 2 carriers) | THE STANDARD | 485 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,197 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.