| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $464 | $3K | 1.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: THE HOLMES ORGANIZATION INC | P O BOX 1440 TULSA, OK 74101 | METROPOLITAN LIFE INSURANCE COMPANY | $626 | $362 | $988 | 0.31% |
| WILLIAM BEAR3 | 321 N CLARK ST FL 14 ATTN GARY KARLOWICZ CHICAGO, IL 606547593 | METROPOLITAN LIFE INSURANCE COMPANY | $209 | — | $209 | 0.07% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: THE HOLMES ORGANIZATION INC | P O BOX 1440 TULSA, OK 74101 | CAMPANION LIFE | $19K | — | $19K | 14.61% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: THE HOLMES ORGANIZATION INC | P O BOX 1440 TULSA, OK 74101 | UNUM | $3K | — | $3K | 7.38% |
| FRED DANIEL & SONS INC3 Filed as: FRED DANIEL AND SONS INC | 5737 SOUTH LEWIS TULSA, OK 74105 | HARTFORD LIFE AND ACCIDENT | $258 | — | $258 | 11.62% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $354K |
| Other | HARTFORD LIFE AND ACCIDENT | 200 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.