| 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 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $97K | $0 | $97K | 7.19% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 9027 DES MOINES, IA 50306 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | $0 | $68K | 5.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LCC | 12712 PARK CENTRAL DR SUITE 100 DALLAS, TX 75251 | AETNA | $36K | $0 | $36K | 10.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.33% |
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 | 4,861 | 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) | 4,861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 444 | $1.3M |
| Dental(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 444 | $1.7M |
| Vision(3 contracts, 2 carriers) | AETNA | 385 | $366K |
| Life insurance(3 contracts, 2 carriers) | AETNA | 4,861 | $334K |
| Short-term disability(3 contracts, 2 carriers) | AETNA | 4,861 | $334K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,861 | $0 |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 444 | $1.3M |
| Other(3 contracts, 2 carriers) | AETNA | 4,861 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,861 | — |
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.