| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $63K | $63K | 2.11% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 5360 LEGACY DRIVE SUITE 230 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $47K | $47K | 1.57% |
| HEATHER DIANE MCFARLAND3 | 360 QUALITY CIRCLE NORTHWEST SUITE 220B HUNTSVILLE, AL 35806 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $31K | $44K | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$269 | -$269 | -0.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 ATTENTION OPERATING ACCOUNT DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | — | $17K | 10.93% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 5360 LEGACY DRIVE BUILDING 3, SUITE 230 PLANO, TX 75024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 2.68% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 5360 LEGACY DRIVE PLANO, TX 75024 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 8.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC | 8144 WALNUT HILL LANE DALLAS, TX 75231 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 3.74% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | PO BOX 441 DES MOINES, IA 50302 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $370 | — | $370 | 0.63% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | PO BOX 441 ATTENTION OPERATING ACCOUNT DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.28% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, LLC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | PAN-AMERICAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | PAN-AMERICAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.78% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, LLC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | PAN-AMERICAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.78% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, LLC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | PAN-AMERICAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.78% |
| HEALTHSMART BENEFIT SOLUTIONS3 Filed as: HEALTHSMART BENEFIT SOLUTION | 602 VIRGINIA STREET EAST CHARLESTON, WV 25301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.66% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | PO BOX 441 ATTENTION OPERATING ACCOUNT DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.66% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | PO BOX 441 ATTENTION OPERATING ACCOUNT DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | PO BOX 441 ATTENTION OPERATING ACCOUNT DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.26% |
| HEALTHSMART BENEFIT SOLUTIONS3 Filed as: HEALTHSMART BENEFIT SOLUTION | 602 VIRGINIA STREET EAST CHARLESTON, WV 25301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $866 | — | $866 | 7.66% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | PO BOX 441 ATTENTION OPERATING ACCOUNT DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $866 | — | $866 | 7.66% |
| HEALTHSMART BENEFIT SOLUTIONS3 Filed as: HEALTHSMART BENEFIT SOLUTION | 602 VIRGINIA STREET EAST CHARLESTON, WV 25301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $858 | — | $858 | 7.64% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | PO BOX 441 ATTENTION OPERATING ACCOUNT DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $858 | — | $858 | 7.64% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 ATTENTION OPERATING ACCOUNT DES MOINES, IA 50302 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $1K | — | $1K | 11.39% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 5360 LEGACY DRIVE BUILDING 3, SUITE 230 PLANO, TX 75024 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $353 | — | $353 | 3.62% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, LLC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | PAN-AMERICAN LIFE INSURANCE COMPANY | $567 | — | $567 | 9.86% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | PO BOX 441 ATTENTION OPERATING ACCOUNT DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $577 | — | $577 | 15.34% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | PO BOX 441 ATTENTION OPERATING ACCOUNT DES MOINES, IA 50302 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $273 | — | $273 | 11.38% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 5360 LEGACY DRIVE BUILDING 3, SUITE 230 PLANO, TX 75024 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $87 | — | $87 | 3.62% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, LLC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | PAN-AMERICAN LIFE INSURANCE COMPANY | $51 | — | $51 | 9.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 441 ATTENTION OPERATING ACCOUNT DES MOINES, IA 50302 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $53 | — | $53 | 11.30% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 5360 LEGACY DRIVE BUILDING 3, SUITE 230 PLANO, TX 75024 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $17 | — | $17 | 3.62% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, LLC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | PAN-AMERICAN LIFE INSURANCE COMPANY | $34 | — | $34 | 9.77% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 509 | $3.1M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 264 | $166K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 635 | $59K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 58 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 47 | $17K |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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.
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.