| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 12712 PARK CENTRAL DRIVE STE 100 DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $25K | $4K | $29K | 0.74% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS LLC | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | UNION SECURITY INSURANCE COMPANY | $43K | — | $43K | 6.80% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS INC | PO BOX 9207 DES MOINES, IA 50306 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $121 | $3K | 5.83% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 13.14% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38 | — | $38 | 0.12% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS LLC | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | UNITED DENTAL CARE OF TEXAS, INC | $872 | — | $872 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVORIAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSSA HARTFORD, CT 06156 | $14K |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 625 | $3.9M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 338 | $643K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $32K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 338 | $684K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 338 | $634K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 338 | $684K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.