| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 101 PARK AVE, STE 405 OKLAHOMA CITY, OK 73102 | BLUECROSS BLUESHIELD OF OKLAHOMA | $74K | — | $74K | 3.89% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 101 PARK AVE, STE 405 OKLAHOMA CITY, OK 73102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $851 | $5K | 12.13% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 101 PARK AVE, STE 405 OKLAHOMA CITY, OK 73102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $843 | $5K | 12.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 101 PARK AVE, STE 405 OKLAHOMA CITY, OK 73102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $564 | $3K | 12.10% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 101 PARK AVE, STE 405 OKLAHOMA CITY, OK 73102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $433 | $94 | $527 | 12.17% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 152 | $1.9M |
| Dental | DELTA DENTAL | 153 | $102K |
| Vision | HM LIFE INSURANCE COMPANY | 89 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $40K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 89 | $27K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.