| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $77K | $10K | $87K | 12.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $3K | $18K | 5.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $2K | $10K | 5.67% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $21 | $9K | 10.12% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | SUN LIFE AND HEALTH INSURANCE COMPANY | $389 | — | $389 | 6.24% |
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 | 732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 16 | $271K |
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 16 | $271K |
| Vision | VISION SERVICE PLAN | 427 | $101K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 724 | $341K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 116 | $6K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 724 | $185K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 697 | $713K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 724 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 724 | — |
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.