| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY | PO BOX 9207 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $759 | $4K | 7.39% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY | PO BOX 9207 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $419 | $22K | 47.73% |
| THOMAS CHRISTOPHER SMITH Filed as: THOMAS SMITH | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $11K | 22.79% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY | PO BOX 9207 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $542 | $3K | 7.70% |
| HOLMES MURPHY & ASSOCIATES Filed as: HOLMES MURPHY | 5120 S SOLBERG AVE PO BOX 91147 SIOUX FALLS, SD 57108 | DELTA DENTAL | $2K | — | $2K | 24.70% |
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 | 763 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 177 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $92K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $47K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.