| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | ZURICH AMERICAN INSURANCE COMPANY | $159K | — | $159K | 25.16% |
| ACAP HEALTH CONSULTING LLC3 Filed as: ACAP HEALTH CONSULTING, LLC | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | ZURICH AMERICAN INSURANCE COMPANY | $21K | — | $21K | 3.34% |
| HOORAY HEALTH LLC3 | 14755 PRESTON ROAD, SUITE 130 DALLAS, TX 75254 | MET LIFE SERVICES | $12K | — | $12K | 9.57% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | MET LIFE SERVICES | $11K | — | $11K | 9.31% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ZURICH AMERICAN INSURANCE COMPANY | 2,123 | $633K |
| Dental | MET LIFE SERVICES | 239 | $123K |
| Vision | MET LIFE SERVICES | 239 | $123K |
| Life insurance | MET LIFE SERVICES | 239 | $123K |
| Short-term disability | MET LIFE SERVICES | 239 | $123K |
| Other | MET LIFE SERVICES | 239 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,123 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.