| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 12712 PARK CENTRAL DR, STE 100 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $700 | $6K | 15.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT LANE, STE 1600 DALLAS, TX 75231 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$1 | $0 | -$1 | -0.00% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | STANDARD SECURITY LIFE | $2K | $0 | $2K | 10.00% |
| MC & H LIFE AGENCY INC3 Filed as: MC&H LIFE AGENCY | 8144 WALNUT LANE, STE 1600 DALLAS, TX 75231 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $692 | $0 | $692 | 5.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 8144 WALNUT LANE, STE 1600 DALLAS, TX 75231 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $574 | $0 | $574 | 4.49% |
| CHRISTOPHER J WILSON3 Filed as: CHRISTOPHER WILSON | 5832 STEEPLECHASE DR PLANO, TX 75093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $305 | $0 | $305 | 2.69% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 3001 WESTOWN PKWY PO BOX 9207 DES MOINES, IA 50306 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.23% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 288 | $71K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 221 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $37K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $37K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.