| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | — | $20K | $20K | 4.83% |
| HOLMES MURPHY & ASSOCIATES3 | P O BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 3.92% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $3K | $18K | 17.51% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.71% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $337 | — | $337 | 0.33% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 17.57% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.68% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $222 | — | $222 | 0.36% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | P O BOX 441 DES MOINES, IA 50302 | CIGNA DENTAL HEALTH OF TEXAS, INC | $4K | — | $4K | 10.00% |
| HOLMES MURPHY & ASSOCIATES4 | PO BOX 441 DES MOINES, IA 50302 | EYEMED VISION CARE | $4K | — | $4K | 10.88% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.13% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $538 | — | $538 | 1.68% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $113 | — | $113 | 0.35% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.25% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $526 | — | $526 | 1.71% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $100 | — | $100 | 0.33% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $489 | $5K | 17.17% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT ST STE 801 KANSAS CITY, MO 64108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $444 | — | $444 | 1.67% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSCIATES, INC | P O BOX 441 DES MOINES, IA 50302 | CIGNA DENTAL HEALTH OF VIRGINIA, INC | $4 | — | $4 | 9.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 CLAIMS PROCESSOR | Claims processing; Contract Administrator; Other services Service code 12 | — | $405K |
| HOLMES MURPHY & ASSOCIATES, LLC EIN 42-0985055 NONE | Actuarial; Other services; Accounting (including auditing); Insurance services; Consulting (general); Insurance agents and brokers Service code 10 | — | $135K |
| SCOTT KIEDAISCH EMPLOYEE OF PLAN | Employee (plan) Service code 30 | 3824 CEDAR SPRINGS RD 583 DALLAS, TX 75219 | $107K |
| POLSINELLI, PC EIN 68-0589116 NONE | Legal Service code 29 | — | $34K |
| BENEFITS TECHNOLOGY RESOURCES EIN 22-3974809 NONE | Other services; Consulting (general) Service code 16 | — | $24K |
| BROWN, CHISM & THOMPSON, PLLC EIN 81-4498561 NONE | Accounting (including auditing) Service code 10 | — | $18K |
| ELIZABETH ENTSMINGER NONE | Other services; Consulting (general) Service code 16 | 800 CAROLYN PKWY #312 IRVING, TX 75039 | $15K |
| HEALTHCARE IMPACT ASSOCIATES, LLC EIN 46-1243269 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $7K |
| BLANCA DE LA SIERRA NONE | Consulting (general); Other services Service code 16 | 909 SHARPSHIRE ST GRAND PRAIRIE, TX 75050 | $6K |
| CONNECT YOUR CARE EIN 46-0891463 NONE | Other services; Consulting fees Service code 49 | — | $6K |
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 | 658 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 519 | $379K |
| Vision(2 contracts) | EYEMED VISION CARE | 373 | $36K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 943 | $163K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $31K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 658 | $58K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 590 | $421K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 943 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 943 | — |
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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.