| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $70K | $19K | $89K | 19.11% |
| JENNINGS INSURANCE SERVICES3 | 10524 MOSS PARK ROAD 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $28K | $28K | 6.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | P.O. BOX 441 DES MOINES, IA 50302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 7.26% |
| NOLAN R SMITH3 Filed as: NOLAN R. SMITH | 1019 BROWN DRIVE WAKE VILLAGE, TX 75501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 5.47% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $744 | — | $744 | 0.54% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | FIDELITY SECURITY LIFE INS CO. | $8K | — | $8K | 12.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Other fees; Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $966K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $299K |
| HOLMES MURPHY & ASSOCIATES EIN 42-0985055 BROKER | Other commissions Service code 55 | — | $20K |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INS CO. | 1,108 | $67K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 740 | $600K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 740 | $464K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 740 | $464K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 0 | $622K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 740 | $600K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,108 | — |
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."
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.