| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | BLUE CROSS BLUE SHIELD OF TEXAS | $55K | $0 | $55K | 10.00% |
| JEFFREY K RAMSEY3 | 2648 FM 407 E., STE 200 BARTONVILLE, TX 76226 | BLUE CROSS BLUE SHIELD OF TEXAS | $9K | $3K | $12K | 2.10% |
| JMRT SOLUTIONS, LLC3 Filed as: JMRT SOLUTIONS LLC | 8303 N. MOPAC EXPY, STE C250 AUSTIN, TX 78759 | BLUE CROSS BLUE SHIELD OF TEXAS | $9K | $2K | $11K | 1.98% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.53% |
| JMRT SOLUTIONS, LLC3 | 8303 N. MOPAC EXPY, STE C250 AUSTIN, TX 78759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.24% |
| JEFFREY K RAMSEY3 | 2648 FM 407 E., STE 200 BARTONVILLE, TX 76226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.24% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.36% |
| JMRT SOLUTIONS, LLC3 | 8303 N. MOPAC EXPY, STE C250 AUSTIN, TX 78759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.64% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.70% |
| JMRT SOLUTIONS, LLC3 | 8303 N. MOPAC EXPY, STE C250 AUSTIN, TX 78759 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.30% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 3001 WESTOWN PKWY DES MOINES, IA 50266 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.59% |
| JMRT SOLUTIONS, LLC3 Filed as: JMRT SOLUTIONS LLC | 8303 N. MOPAC EXPY, STE C250 AUSTIN, TX 78759 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.75% |
| JEFFREY K RAMSEY3 | 2648 FM 407 E., STE 200 BARTONVILLE, TX 76226 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.34% |
| JMRT SOLUTIONS, LLC3 | 8303 N. MOPAC EXPY, STE C250 AUSTIN, TX 78759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.66% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.34% |
| JMRT SOLUTIONS, LLC3 | 8303 N. MOPAC EXPY, STE C250 AUSTIN, TX 78759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.83% |
| JEFFREY K RAMSEY3 | 2648 FM 407 E., STE 200 BARTONVILLE, TX 76226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.83% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 3001 WESTOWN PKWY WEST DES MOINES, IA 50266 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 7.49% |
| JMRT SOLUTIONS, LLC3 Filed as: JMRT SOLUTIONS LLC | 8303 N. MOPAC EXPY, STE C250 AUSTIN, TX 78759 | UNION SECURITY INSURANCE COMPANY | $543 | $0 | $543 | 1.25% |
| JEFFERY K RAMSEY3 | 2648 FM 407 E., STE 200 BARTONVILLE, TX 76226 | UNION SECURITY INSURANCE COMPANY | $543 | $0 | $543 | 1.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.67% |
| JMRT SOLUTIONS, LLC3 | 8303 N. MOPAC EXPY, STE C250 AUSTIN, TX 78759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $168 | $0 | $168 | 1.16% |
| JEFFREY K RAMSEY3 | 2648 FM 407 E., STE 200 BARTONVILLE, TX 76226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $168 | $0 | $168 | 1.16% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.79% |
| JMRT SOLUTIONS, LLC3 | 8303 N. MOPAC EXPY, STE C250 AUSTIN, TX 78759 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $148 | $0 | $148 | 1.11% |
| JEFFREY K RAMSEY3 | 2648 FM 407 E., STE 200 BARTONVILLE, TX 76226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $148 | $0 | $148 | 1.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 NONE | Contract Administrator Service code 13 | — | $798K |
| JEFF RAMSEY, DBA IHRS/BCGHR EIN 75-2660473 NONE | Consulting (general) Service code 16 | — | $168K |
| SUN LIFE FINANCIAL NONE | Contract Administrator Service code 13 | ONE SUN LIFE EXECUTIVE PARK WELLESLEY HILLS, MA 02481 | $28K |
| BROWN, GRAHAM & COMPANY EIN 75-1386677 NONE | Accounting (including auditing) Service code 10 | P.O. BOX 872 GEORGETOWN, TX 786270872 | $18K |
| BRADSHAW & BICKERTON PLLC NONE | Legal Service code 29 | 5121 BEE CAVES ROAD, STE 201 AUSTIN, TX 78746 | $7K |
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 | 676 | 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) | 677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 814 | $792K |
| Vision | UNION SECURITY INSURANCE COMPANY | 350 | $43K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 676 | $214K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $191K |
| Long-term disability(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 244 | $181K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 814 | $550K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF TEXAS | 814 | $550K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 676 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.