| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC. | P.O. BOX 9207 DES MOINES, IA 50306 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $72K | — | $72K | 8.11% |
| BENEFITS ADVISORS SERVICES GROUP3 | 1120 SANCTUARY PKWY. STE 375 ALPHARETTA, GA 30009 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $17K | — | $17K | 1.98% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC. | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 752511527 | UNITEDHEALTHCARE INSURANCE COMPANY | $89K | — | $89K | 14.07% |
| HOLMES MURPHY & ASSOCIATES3 | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $619 | $37K | 50.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $653K |
| HOLMES MURPHY AND ASSOCIATES, INC. EIN 42-0985055 BROKER | Other commissions Service code 55 | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 752511527 | $0 |
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 | 769 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $74K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 919 | $884K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 919 | $884K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,763 | $635K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,763 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.