| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P. O. BOX 9207 DES MOINE, IA 50306 | SIRIUS AMERICAN INSURANCE COMPANY | — | $22K | $22K | 6.75% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS | 1754 EAST 70TH SHREVEPORT, LA 71105 | SIRIUS AMERICAN INSURANCE COMPANY | — | $11K | $11K | 3.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 12712 PARK CENTRAL DR SUITE 100 DALLAS, TX 75251 | RELIASTAR LIFE INSURANCE | — | $9K | $9K | 7.07% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS | 1754 E 70TH ST SHREVEPORT, LA 71105 | RELIASTAR LIFE INSURANCE | — | $4K | $4K | 3.45% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS GROUP LLC | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIASTAR LIFE INSURANCE | — | $2K | $2K | 1.41% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | P. O. BOX 9207 DES MOINE, IA 50306 | EYEMED VISION CARE | — | $2K | $2K | 7.64% |
| TFG FINANCIAL GROUP BENEFITS LLC3 Filed as: TFG FINANCIAL GROUP BENEFITS | 1754 EAST 70TH SHREVEPORT, LA 71105 | EYEMED VISION CARE | — | $512 | $512 | 2.38% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 405 | $22K |
| Life insurance | RELIASTAR LIFE INSURANCE | 1,044 | $121K |
| Long-term disability | RELIASTAR LIFE INSURANCE | 1,044 | $121K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICAN INSURANCE COMPANY | 273 | $325K |
| Other | RELIASTAR LIFE INSURANCE | 1,044 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,044 | — |
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.