| 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 | $236K | — | $236K | 10.33% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $70K | — | $70K | 7.00% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57K | — | $57K | 7.00% |
| HOLMES MURPHY & ASSOCIATES4 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 7.00% |
| 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 | 10.16% |
| HOLMES MURPHY & ASSOCIATES4 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 7.00% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | CIGNA DENTAL OF KENTUCKY, IN. | $3K | — | $3K | 10.32% |
| HOLMES MURPHY & ASSOCIATES | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | — | $257 | $257 | 3.72% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | CIGNA DENTAL HEALTH PLAN OF FLORIDA, INC. | $520 | — | $520 | 10.04% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $427 | — | $427 | 12.36% |
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 | 3,633 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 5 carriers) | CIGNA DENTAL HEALTH OF TEXAS, INC. | 420 | $150K |
| Vision | VISION SERVICE PLAN | 0 | $346K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,633 | $1.1M |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,612 | $841K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 811 | $468K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,356 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,633 | — |
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.