| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTTOWN PKWY DES MOINES, IA 50266 | CIGNA HEALTH & LIFE INSURANCE | $133K | $26K | $159K | 22.10% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PKWY DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM2) | $16K | $2K | $18K | 18.44% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PKWY DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM3) | $5K | $1K | $6K | 10.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PRKY WEST DES MOINES, IA 50266 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 12.81% |
| TXB EMPLOYEE BENEFIT3 | 1201 ELM ST DALLAS, TX 75270 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 9.58% |
| JOE FERNANDEZ3 | 3520 VANGUARD DR FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 3.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PKWY DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM) | $2K | $422 | $2K | 12.07% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 12712 PARK CENTRAL STE 100 DALLAS, TX 75251 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $10K | $13K | 82.32% |
| VARIOUS - SEE PAGES 33 - 343 | VARIOUS DALLAS, TX 75001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | — | $221 | 9.40% |
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 | 569 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE | 576 | $722K |
| Dental | CIGNA HEALTH & LIFE INSURANCE | 576 | $719K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 494 | $15K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM2) | 510 | $164K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM3) | 189 | $59K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE | 576 | $719K |
| Other | TRUSTMARK INSURANCE COMPANY | 57 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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.