| 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 | $92K | $2K | $93K | 4.07% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 101 PARK AVE, STE 405 OKLAHOMA CITY, OK 73102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $7K | 12.30% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $247 | $247 | 0.45% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 101 PARK AVE, STE 405 OKLAHOMA CITY, OK 73102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $7K | 12.22% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $244 | $244 | 0.45% |
| 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 | $828 | $5K | 12.13% |
| C2 CENTRIC LLC | 2209 GODWIN AVE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $173 | $173 | 0.44% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 502638844 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | 101 PARK AVE, STE 405 OKLAHOMA CITY, OK 73102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $543 | $138 | $681 | 12.54% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $25 | $25 | 0.46% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 437 | $2.3M |
| Dental | DELTA DENTAL | 157 | $113K |
| Vision | HM LIFE INSURANCE COMPANY | 91 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $54K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $54K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $39K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.