| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, STE 801 KANSAS CITY, MO 64108 | SYMETRA LIFE INSURANCE COMPANY | — | $34K | $34K | 6.47% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SYMETRA LIFE INSURANCE COMPANY | — | $7K | $7K | 1.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 3.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | AMERICAN UNITED LIFE INSURANCE COMPANY | $40K | — | $40K | 15.00% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALLY BENEFITS | 1828 WALNUT ST, STE 801 KANSAS CITY, MO 64108 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $5K | $5K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.95% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | CIGNA DENTAL HEALTH OF TEXAS | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 CLAIMS PROCESSOR | Claims processing; Contract Administrator; Other services Service code 12 | — | $377K |
| HOLMES MURPHY & ASSOCIATES EIN 42-0985055 NONE | Consulting (general); Insurance agents and brokers; Actuarial; Accounting (including auditing); Insurance services; Other services Service code 10 | — | $124K |
| SCOTT KIEDAISCH EMPLOEE OF PLAN | Employee (plan) Service code 30 | 3824 CEDAR SPRINGS RD 583 DALLAS, TX 75219 | $107K |
| BENEFITS TECHNOLOGY RESOURCES EIN 22-3974809 NONE | Consulting (general); Other services Service code 16 | — | $55K |
| LANE GORMAN TRUBITT LLC EIN 75-1044330 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| POLSINELLI PC NONE | Legal Service code 29 | 2950 N. HARWOOD SUITE 2100 DALLAS, TX 75201 | $23K |
| MOBILE HEALTH CONSUMER, INC. NONE | Other services; Consulting (general) Service code 16 | 530 LYTTON AVE STE 200 PALO ALTO, CA 94301 | $17K |
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 | 591 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 460 | $396K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 718 | $49K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 591 | $265K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 591 | $265K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 591 | $265K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 490 | $530K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 591 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.