| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | BLUE CROSS BLUE SHIELD OF TEXAS | $138K | $0 | $138K | 34.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | BLUE CROSS BLUE SHIELD OF TEXAS | $32K | $0 | $32K | 9.78% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $5K | $19K | 21.58% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $824 | $0 | $824 | 0.96% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 21.29% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $435 | $0 | $435 | 0.98% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 50306 | EYEMED | $5K | $0 | $5K | 15.00% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 22.05% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $370 | $0 | $370 | 1.18% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $582 | $2K | 21.11% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $148 | $0 | $148 | 1.40% |
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 | 968 | 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) | 970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,221 | $405K |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 720 | $327K |
| Vision | EYEMED | 940 | $32K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,203 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $86K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $45K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF TEXAS | 1,221 | $405K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,203 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,221 | — |
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.
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.