| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| G MURPHY & ASSOCIATES Filed as: G MURPHY ASSOCIATES | 701 WARRENVILLE ROAD SUITE 250 LISLE, IL 60532 | RELIANCE STANDARD | $3K | — | $3K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DRIVE CARMEL, ID 46032 | RELIANCE STANDARD | — | $1K | $1K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | DBA INSURANCE POINT AGENCY 181 E 5600 S SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD | — | $532 | $532 | 2.42% |
| G MURPHY & ASSOCIATES Filed as: G MURPHY AND ASSOCIATES | 701 WARRENVILLE ROAD SUITE 250 LISLE, IL 60532 | RELIANCE STANDARD | $28K | — | $28K | — |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 650 EAST CARMEL DRIVE CARMEL, ID 46032 | RELIANCE STANDARD | — | $11K | $11K | — |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | DBA INSURANCE POINT AGENCY 181 E 5600 S STUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD | — | $6K | $6K | — |
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 | 804 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD | 804 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 804 | — |
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.