| 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 | UNITED HEALTHCARE INSURANCE COMPANY - UL | $15K | $142K | $157K | 5.42% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 12712 PARK CENTRAL STE 100 DALLAS, TX 75251 | UNITED HEALTHCARE INSURANCE COMPANY - UL | — | $6K | $6K | 0.20% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PKWY DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM) 416 | $17K | $2K | $19K | 16.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PKWY DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM) 417 | $5K | $1K | $6K | 8.74% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PKWY DES MOINES, IA 50266 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 13.37% |
| TXB EMPLOYEE BENEFIT3 | 1201 ELM ST STE 4250 DALLAS, TX 75270 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 9.74% |
| JOE FERNANDEZ3 | 3520 VANGUARD DR FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY | $610 | — | $610 | 2.06% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PKWY DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM) 415 | $2K | $454 | $3K | 10.42% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PRKY WEST DES MOINES, IA 50266 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 24.88% |
| TXB EMPLOYEE BENEFIT3 | 1201 ELM ST DALLAS, TX 75270 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 16.43% |
| JOE FERNANDEZ3 | 3520 VANGUARD DR FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 5.84% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PKWY DES MOINES, IA 75270 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 13.35% |
| TXB EMPLOYEE BENEFIT3 | 1201 ELM ST STE 4250 DALLAS, TX 75270 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 8.96% |
| JOE FERNANDEZ3 | 3520 VANGUARD DR FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY | $570 | — | $570 | 2.95% |
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 | 669 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY - UL | 841 | $2.9M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY - UL | 841 | $2.9M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY - UL | 841 | $2.9M |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM) 416 | 590 | $167K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM) 417 | 210 | $67K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY - UL | 841 | $2.9M |
| Other | TRUSTMARK INSURANCE COMPANY | 98 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 841 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.