| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | BLUE CROSS BLUE SHIELD OF TEXAS | $361K | $0 | $361K | 2.75% |
| INSURORS OF TEXAS GENERAL AGENCY3 | 225 SOUTH 5TH STREET WACO, TX 76701 | BLUE CROSS BLUE SHIELD OF TEXAS | $33K | $8K | $41K | 0.31% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 8.10% |
| INSURORS OF TEXAS GENERAL AGENCY3 | 225 SOUTH 5TH STREET WACO, TX 76701 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 1.66% |
| INSURORS OF TEXAS GENERAL AGENCY3 | 225 SOUTH 5TH STREET WACO, TX 76701 | DEARBORN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 10.35% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.38% |
| UNKNOWN3 | UNKNOWN WACO, TX 76702 | TELADOC | $4K | $0 | $4K | 15.00% |
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 | 1,928 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 210 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,928 | $13.2M |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 1,928 | $13.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 273 | $44K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 1,928 | $13.1M |
| Other(2 contracts, 2 carriers) | BAYLORSCOTT&WHITE HEALTH | 1,928 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,928 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.