| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY OF IOWA, INC | PO BOX 9207 DES MOINES, IA 503069207 | SYMETRA LIFE INSURANCE COMPANY | — | $9K | $9K | 2.02% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | — | $7K | $7K | 1.61% |
| HOLMES MURPHY & ASSOCIATES3 | 7047 E GREENWAY PKWY STE 210 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 2.97% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 7047 E GREENWAY PKWY STE 210 SCOTTSDALE, AZ 85254 | CIGNA DENTAL HEALTH OF TEXAS, INC | $4K | — | $4K | 10.00% |
| HOLMES MURPHY & ASSOCIATES4 Filed as: HOLMES MURPHY & ASSOCIATES, INC | PO BOX 441 DES MOINES, IA 50302 | EYEMED VISION CARE | $2K | — | $2K | 8.71% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | PO BOX 441 DES MOINES, IA 50302 | EYEMED VISION CARE | $163 | — | $163 | 8.80% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSCIATES, INC | 7047 E GREENWAY PKWY STE 210 SCOTTSDALE, AZ 85254 | CIGNA DENTAL HEALTH OF VIRGINIA, INC | $23 | — | $23 | 10.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 CLAIMS PROCESSOR | Other services; Contract Administrator; Claims processing Service code 12 | — | $408K |
| HOLMES MURPHY & ASSOCIATES, LLC EIN 42-0985055 NONE | Actuarial; Insurance services; Other services; Consulting (general); Insurance agents and brokers; Accounting (including auditing) Service code 10 | — | $135K |
| SCOTT KIEDAISCH EIN 46-2713514 EMPLOYEE OF PLAN | Employee (plan) Service code 30 | — | $107K |
| POLSINELLI, PC EIN 68-0589116 NONE | Legal Service code 29 | — | $25K |
| BENEFITS TECHNOLOGY RESOURCES EIN 22-3974809 NONE | Consulting (general); Other services Service code 16 | — | $21K |
| BROWN, CHISM & THOMPSON, PLLC EIN 81-4498561 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| HEALTHCARE IMPACT ASSOCIATES, LLC EIN 46-1243269 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $14K |
| BLANCA DE LA SIERRA EIN 45-3958983 NONE | Other services; Consulting (general) Service code 16 | — | $10K |
| ELIZABETH ENTSMINGER EIN 47-9980394 NONE | Consulting (general); Other services Service code 16 | — | $9K |
| DISCOVERY BENEFITS EIN 90-0058554 NONE | Other services Service code 49 | — | $5K |
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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 351 | $359K |
| Vision(2 contracts) | EYEMED VISION CARE | 410 | $23K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 595 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.