| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $1.2M | — | $1.2M | 9.44% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET SUITE 701 KANSAS CITY, MO 64108 | RELIASTAR LIFE INSURANCE COMPANY | — | $476K | $476K | 3.65% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | ATTN OPERATING ACCOUNT P.O. BOX 441 DES MOINES, IA 50302 | RELIASTAR LIFE INSURANCE COMPANY | $58K | — | $58K | 0.44% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TEXAS | $44K | — | $44K | 0.38% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | — | $13K | $13K | 0.11% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $124K | $124K | 3.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | P.O. BOX 441 DES MOINES, IA 50302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $40K | $40K | 0.97% |
| HOLMES MURPHY & ASSOCIATES3 | OPERATING ACCOUNT P.O. BOX 441 DES MOINES, IA 50302 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $53K | — | $53K | 4.38% |
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 | 27,530 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 122 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 27,652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 518 | $4.5M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 33,618 | $11.5M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 23,864 | $1.2M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 40,311 | $13.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 27,530 | $4.1M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 64,904 | $17.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64,904 | — |
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.