| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $87K | $87K | 4.10% |
| HEATHER DIANE MCFARLAND3 | 360 QUALITY CIRCLE NW, SUITE 220B HUNTSVILLE, AL 35806 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $22K | $22K | 1.04% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 Filed as: EMPLOYEE BENEFITS STRATEGY GROUP LP | 5360 LEGACY DRIVE, SUITE 230 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $46 | $46 | 0.00% |
| MC & H LIFE AGENCY INC3 | 8144 WALNUT HILL LANE, SUITE 1600 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $22 | $22 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $25K | $0 | $25K | 14.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 201 1ST STREET SE, SUITE 700 CEDAR RAPIDS, IA 52401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 18.15% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 17.37% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 602 VIRGINIA STREET EAST CHARLESTON, WV 25301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 3.72% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 441 DES MOINES, IA 50302 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $4K | $0 | $4K | 15.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL DALLAS, TX 75231 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $140 | $0 | $140 | 0.58% |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 261 | $166K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 595 | $24K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 376 | $141K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 376 | $141K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 376 | $141K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $2.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 376 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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."
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.