| 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 | $249K | — | $249K | 10.02% |
| HOLMES MURPHY & ASSOCIATES4 | PO BOX 441 DES MOINES, IA 50302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $57K | $29K | $86K | 7.53% |
| AVANT SPECIALTY BENEFITS LLC4 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | $25K | $63K | 8.29% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $24K | $50K | 9.53% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 2.00% |
| 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. | — | $10K | $10K | 9.68% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | CIGNA DENTAL OF KENTUCKY, IN. | — | $3K | $3K | 10.34% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | CIGNA DENTAL HEALTH PLAN OF FLORIDA, INC. | — | $505 | $505 | 10.46% |
| HOLMES MURPHY & ASSOCIATES | 12712 PARK CENTRAL DRIVE, STE 100 DALLAS, TX 75251 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | — | $194 | $194 | 12.05% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $6K | $28K | — |
| AVANT SPECIALTY BENEFITS LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $9K | $47K | — |
| AVANT SPECIALTY BENEFITS LLC | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $7K | $34K | — |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 441 DES MOINES, IA 50302 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $903 | $897 | $2K | — |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $361 | $361 | — |
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 | 3,753 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | CIGNA DENTAL HEALTH OF TEXAS, INC. | 404 | $137K |
| Vision | VISION SERVICE PLAN | 0 | $367K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,753 | $1.1M |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,789 | $759K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 936 | $527K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,417 | $2.5M |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,417 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,753 | — |
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.