| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCAITES LLC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $116K | $129K | 5.28% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 5360 LEGACY DR, STE 230 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 0.53% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | DELTA DENTAL INSURANCE COMPANY | $89K | $0 | $89K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCAITES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $146K | $0 | $146K | 12.51% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 Filed as: EMPLOYEE BENEFIT STRATEGIES | 5360 LEGACY DR, BLDG 3, STE 230 PLANO, TX 75204 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $29K | $0 | $29K | 2.49% |
| JAMES A VANDIVER3 Filed as: JAMES STEINKAMP | 5360 LEGACY DR., BLDG 4 STE 110 PLANO, TX 75024 | UNUM LIFE INSURANCE COMPANY | $75 | $0 | $75 | 0.89% |
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 | 2,350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,295 | $2.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 4,869 | $1.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,295 | $2.4M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 2,350 | $1.2M |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 2,350 | $1.2M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 5,295 | $2.4M |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 2,350 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,295 | — |
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.