| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 752511527 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $117K | $126K | 7.13% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 503069200 | AETNA LIFE INSURANCE CO. | $27K | — | $27K | 9.72% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS INC | 3333 LEE PARKWAY STE 900 DALLAS, TX 75219 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 4.60% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCS INC | PO BOX 91147 SIOUX FALLS, SD 571091147 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.11% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES,LLC | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 752511527 | VISION SERVICE PLAN | $1K | — | $1K | 5.20% |
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 | 3,740 | 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) | 3,740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 390 | $2.0M |
| Dental | AETNA LIFE INSURANCE CO. | 185 | $278K |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 3,524 | $506K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 3,524 | $483K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,524 | $205K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 3,524 | $483K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,524 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.