| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 12712 PARK CENTRAL STE 100 DALLAS, TX 75251 | UNITED HEALTHCARE INSURANCE COMPANY - UL | $11K | $148K | $159K | 4.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | UNITED HEALTHCARE INSURANCE COMPANY - UL | $6K | $40K | $46K | 1.39% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PKWY DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM) 416 | $11K | $1K | $12K | 11.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM) 416 | $5K | $274 | $6K | 5.27% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PKWY DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM) 417 | $4K | $796 | $5K | 7.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM) 417 | $458 | $156 | $614 | 0.95% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE CO (ALLSTATE) (1) | $9K | — | $9K | 35.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 2727 GRAND PRARIE PKWY WAUKEE, IA 50263 | AMERICAN HERITAGE LIFE INSURANCE CO (ALLSTATE) (1) | $2K | — | $2K | 5.99% |
| ALLEN COMMODORE BAKER3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE CO (ALLSTATE) (1) | $11 | — | $11 | 0.04% |
| BRENNAN BAKER3 | 6200 SAVOY DR STE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INSURANCE CO (ALLSTATE) (1) | $7 | — | $7 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC | 8144 WALNUT HILL LN STE 15 DALLAS, TX 75231 | AMERICAN HERITAGE LIFE INSURANCE CO (ALLSTATE) (1) | $4 | — | $4 | 0.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PKWY DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM) 415 | $2K | $305 | $2K | 7.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM) 415 | $583 | $65 | $648 | 2.49% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY STE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INS CO. (ALLSTATE ) (2) | $10K | — | $10K | 40.49% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 2727 GRAND PRARIE PKWY WAUKEE, IA 50263 | AMERICAN HERITAGE LIFE INS CO. (ALLSTATE ) (2) | $1K | — | $1K | 5.95% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | AMERICAN HERITAGE LIFE INS CO. (ALLSTATE ) (2) | $1K | — | $1K | 4.24% |
| ALLEN COMMODORE BAKER3 | 6200 SAVOY DR STE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INS CO. (ALLSTATE ) (2) | $474 | — | $474 | 1.89% |
| BRENNAN BAKER3 | 6200 SAVOY DR STE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INS CO. (ALLSTATE ) (2) | $316 | — | $316 | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP SOUTH STE 1600 HOUSTON, TX 77027 | AMERICAN HERITAGE LIFE INS CO. (ALLSTATE ) (2) | $38 | — | $38 | 0.15% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR STE 345 HOUSTON, TX 77036 | AMERICAN HERITAGE LIFE INS (ALLSTATE) (3) | $2K | — | $2K | 10.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 1222 MERIT DR STE 1230 DALLAS, TX 75251 | AMERICAN HERITAGE LIFE INS (ALLSTATE) (3) | $57 | — | $57 | 0.38% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PKWY DES MOINES, IA 50266 | TRUSTMARK INSURANCE COMPANY (1) | $622 | — | $622 | 12.96% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFIT | 1201 ELM ST DALLAS, TX 75270 | TRUSTMARK INSURANCE COMPANY (1) | $438 | — | $438 | 9.13% |
| JOE FERNANDEZ3 | 3520 VANGUARD DR FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY (1) | $153 | — | $153 | 3.19% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PRKY WEST DES MOINES, IA 50266 | TRUSTMARK INSURANCE COMPANY (2) | $480 | — | $480 | 11.39% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFIT | 1201 ELM ST STE 4250 DALLAS, TX 75270 | TRUSTMARK INSURANCE COMPANY (2) | $372 | — | $372 | 8.83% |
| JOE FERNANDEZ3 | 3520 VANGUARD DR FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY (2) | $82 | — | $82 | 1.95% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 3001 WESTOWN PKWY DES MOINES, IA 50266 | TRUSTMARK INSURANCE COMPANY 3603 | $295 | — | $295 | 11.89% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFIT | 1201 ELM ST STE 4250 DALLAS, TX 75270 | TRUSTMARK INSURANCE COMPANY 3603 | $213 | — | $213 | 8.58% |
| JOE FERNANDEZ3 | 3520 VANGUARD DR FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY 3603 | $71 | — | $71 | 2.86% |
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 | 655 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY - UL | 790 | $3.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY - UL | 790 | $3.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY - UL | 790 | $3.3M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM) 416 | 601 | $135K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE CO (ALLSTATE) (1) | 124 | $26K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA (UNUM) 417 | 210 | $65K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY - UL | 790 | $3.3M |
| Other(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INS CO. (ALLSTATE ) (2) | 96 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 790 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.