| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS INC | — | HARTFORD LIFE AND ACCIDENT | $136K | — | $136K | 6.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PARTNERS EIN 41-1629390 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $827K |
| DELTA DENTAL EIN 42-0959302 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $650K |
| OUTCOMES INCORPORATED EIN 45-4156169 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $567K |
| HARTFORD LIFE AND ACCIDENT EIN 06-0838648 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $492K |
| WELLMARK BCBS EIN 42-0318333 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $254K |
| NAVIGATE WELLNESS EIN 27-2536219 NONE | Direct payment from the plan; Other services Service code 49 | — | $154K |
| HOLMES MURPHY FINANCIAL SERVICE EIN 42-0985055 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $149K |
| WELLMARK HEALTH PLAN, INC. EIN 42-1455449 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $114K |
| COMPASS PROFESSIONAL HEALTH SVCS EIN 35-2263629 NONE | Direct payment from the plan; Other services Service code 49 | — | $10K |
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 | 19,262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 510 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 21,726 | $2.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 21,726 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,726 | — |
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.
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.