| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | HEALTH CARE SERVICE CORPORATION | $47K | — | $47K | 0.21% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | P.O. BOX 9207 DES MOINES, IA 503069207 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 1.38% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $88K | $9K | $97K | 18.24% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, STE 375 ALPHARETTA, GA 30009 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 1.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | $13K | $10K | $22K | 5.84% |
| BENEFIT ADVISORS SERVICES GROUP LLC | 1120 SANCTUARY PARKWAY, STE 375 ALPHARETTA, GA 30009 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | — | $6K | $6K | 1.58% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 1.67% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, STE 375 ALPHARETTA, GA 30009 | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 1.31% |
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 | 3,185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 5,219 | $22.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,424 | $1.1M |
| Life insurance | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 3,185 | $533K |
| Short-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 1,796 | $285K |
| Long-term disability | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 1,387 | $378K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 5,219 | $22.8M |
| Stop-loss / reinsurancereinsurance | HEALTH CARE SERVICE CORPORATION | 5,219 | $22.8M |
| Other | LIBERTY MUTUAL ASSURANCE COMPANY OF BOSTON | 3,185 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,219 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.