| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $746 | $6K | 17.30% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | WESTPORT INSURANCE CORPORATION | $243 | $0 | $243 | 1.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $451 | $3K | 17.48% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | SUPERIOR VISION PLAN OF TEXAS | $2K | $0 | $2K | 9.19% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 9207 DES MOINES, IA 50306 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $590 | $0 | $590 | 5.92% |
| WILSON, CHRISTOPHER, JON3 | 5832 STEEPLECHASE DR PLANO, TX 75093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $208 | $0 | $208 | 2.09% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $26 | $26 | 0.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | PO BOX 9207 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $652 | $0 | $652 | 10.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $168 | $168 | 2.58% |
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 | 180 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $86K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 269 | $17K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $25K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $32K |
| Other(4 contracts, 3 carriers) | WESTPORT INSURANCE CORPORATION | 180 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.