| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $340K | — | $340K | 9.13% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $62K | — | $62K | 6.43% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 700 KANSAS CITY, MO 64108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 0.49% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | — | $50K | 6.49% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 700 KANSAS CITY, MO 64108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 0.51% |
| HOLMES MURPHY & ASSOCIATES4 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | — | $29K | 6.48% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 700 KANSAS CITY, MO 64108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 0.52% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| HOLMES MURPHY & ASSOCIATES4 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $11K | — | $11K | 8.97% |
| HOLMES MURPHY & ASSOCIATES4 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 6.51% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS | 1828 WALNUT ST STE 700 KANSAS CITY, MO 64108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $408 | — | $408 | 0.49% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | CIGNA DENTAL OF KENTUCKY, IN. | $3K | — | $3K | 9.00% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | CIGNA DENTAL HEALTH PLAN OF FLORIDA, INC. | $521 | — | $521 | 9.38% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $468 | — | $468 | 8.42% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $209 | — | $209 | 5.64% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF CALIFORNIA | $94 | — | $94 | 5.08% |
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 | 3,444 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,013 | $3.9M |
| Vision | VISION SERVICE PLAN | 2,801 | $336K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,444 | $1.0M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,685 | $773K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 771 | $452K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,013 | $3.7M |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,013 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,013 | — |
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.