| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | KAISER FOUNDATION HEALTH PLAN INC | $22K | $0 | $22K | 4.93% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | PO BOX 441 DES MOINES, IA 50302 | FOUR EVER LIFE INSURANCE COMPANY | $17K | $0 | $17K | 8.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $7K | $25K | 13.88% |
| 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 | $9K | $4K | $13K | 13.91% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | PO BOX 441 DES MOINES, IA 50302 | DEARBORN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.07% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 13.95% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.95% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 10.77% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $654 | $3K | 13.42% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $611 | $2K | 13.42% |
| MARK A HARRELL3 | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TEXAS EIN 36-1236610 NONE | Contract Administrator Service code 13 | — | $995K |
| SUN LIFE FINANCIAL NONE | Contract Administrator Service code 13 | ONE SUN LIFE EXECUTIVE PARK WELLESLEY HILLS, MA 02481 | $24K |
| COMMERCE BANK OF KANSAS CITY EIN 43-1795601 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $11K |
| AMERIFLEX NONE | Contract Administrator Service code 13 | 2508 HIGHLANDER WAY, STE 200 CARROLLTON, TX 75006 | $9K |
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 | 1,505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 397 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 31 | $546K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 377 | $66K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 748 | $260K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $196K |
| Long-term disability(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 206 | $179K |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 748 | $805K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.