| 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 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | $0 | $42K | 13.23% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 2.15% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | PAN-AMERICAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 9.69% |
| MJ INSURANCE3 Filed as: MOLOKAI HAND AND VARIOUS AGENTS | 1409 SOUTH LAMAR STREET, SUITE 716 DALLAS, TX 75215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 10.56% |
| EMPLOYEE BENEFIT STRATEGIES GROUP3 | 5360 LEGACY DRIVE BUILDING 3, SUITE 230 PLANO, TX 75024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.85% |
| PATRICIA R ALDAPE3 Filed as: PATRICIA R. ALDAPE | 5540 CREEKRIDGE DRIVE ARLINGTON, TX 76018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.22% |
| KATHY LYNDE LEBLANC3 Filed as: KATHY L. LEBLANC | 6708 FOREST PARK DRIVE ARLINGTON, TX 76001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.15% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS DRIVE LANCASTER, TX 75146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $913 | $0 | $913 | 1.51% |
| DIANE L. CAESAR3 | 5628 HEARTWOOD COURT ARLINGTON, TX 76016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $744 | $0 | $744 | 1.23% |
| MICHELLE GLADSTONE3 | 3235 WARM SPRINGS LANE RALEIGH, NC 27610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $739 | $0 | $739 | 1.22% |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN-AMERICAN LIFE INSURANCE COMPANY | 75 | $115K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $315K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $315K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $315K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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.