| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $40K | $43K | 3.16% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $28K | $31K | 2.26% |
| DEIRDRE A GIBSON3 | 6403 GENSTAR LN DALLAS, TX 75252 | AFLAC | $4K | $328 | $4K | 4.82% |
| MARSHALL R BERKLEY3 | 12317 HUNTERS CROSSING LN BURLESON, TX 76028 | AFLAC | $1K | — | $1K | 1.48% |
| LAUREN ASHLEY GIBSON3 | 6403 GENSTAR LN DALLAS, TX 75252 | AFLAC | $892 | $129 | $1K | 1.24% |
| DAVID M COUGHLIN3 | 2229 WHITE MIST DR LAS VEGAS, NV 89134 | AFLAC | $619 | $78 | $697 | 0.84% |
| HOMER J CORTEZ3 | 1904 CAMDEN CT COLLEYVILLE, TX 76034 | AFLAC | $533 | — | $533 | 0.65% |
| MAURICIO R PLATT3 | 4700 LOIRE CT ARGYLE, TX 76226 | AFLAC | $432 | $92 | $524 | 0.63% |
| SHELLY WIEGAND3 | 2607 ARMATRADING DR CEDAR PARK, TX 78613 | AFLAC | $500 | — | $500 | 0.61% |
| CRAIG S DAVIES3 | 531 SANDY LN FLOWER MOUND, TX 75022 | AFLAC | $378 | — | $378 | 0.46% |
| LOGAN CHEADLE3 | 14901 QUORUM DR STE 850 DALLAS, TX 75254 | AFLAC | $269 | — | $269 | 0.33% |
| RICHARD WESTERMAYER3 | 5431 MONTICELLO AVE DALLAS, TX 75206 | AFLAC | $181 | — | $181 | 0.22% |
| JOHN A BACON3 | 30837 SPRING VALLEY RD PAOLA, KS 66071 | AFLAC | $87 | $52 | $139 | 0.17% |
| T ALLEN HOWDESHELL3 | 1405 SHANNAN CIR APT 103 GRANBURY, TX 76048 | AFLAC | $114 | — | $114 | 0.14% |
| MAURICIO R PLATT3 | 11839 STEPHENVILLE DR FRISCO, TX 75035 | AFLAC | $107 | — | $107 | 0.13% |
| ROSANNA SINGH3 | 11120 CUTTY SARK DR EL PASO, TX 79936 | AFLAC | $98 | — | $98 | 0.12% |
| CUAHUTEMOC EQUIHUA-CARDENAS3 Filed as: CUAHUTEMOC EQUIHUACARDENAS | 1504 CEDARBIRD DR LITTLE ELM, TX 75068 | AFLAC | $64 | — | $64 | 0.08% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 DALLAS, TX 75234 | AFLAC | $62 | — | $62 | 0.08% |
| CHRISTINA LOUISE ALMANZA3 | 10644 LIMAS DR EL PASO, TX 79935 | AFLAC | $53 | — | $53 | 0.06% |
| LAUREN GREENWOOD3 Filed as: LAUREN S GREENWOOD | 1026 PENNINGTON DR LANCASTER, SC 29720 | AFLAC | $51 | — | $51 | 0.06% |
| CUAHUTEMOC EQUIHUA-CARDENAS3 Filed as: CUAHUTEMOC EQUIHUACARDENAS | 325 E MCKINNEY ST PILOT POINT, TX 76258 | AFLAC | $46 | — | $46 | 0.06% |
| JOHN M JOHNSON3 | 2150 W NORTHWEST HWY STE 114-1144 GRAPEVINE, TX 76051 | AFLAC | $46 | — | $46 | 0.06% |
| HENRY J VIGIL3 | 7255 TEXAS RANGERS DR APT 1103 FRISCO, TX 75034 | AFLAC | $44 | — | $44 | 0.05% |
| ROLAND GONZALEZ JR3 | 2629 NORTHGATE LN MCALLEN, TX 78504 | AFLAC | $44 | — | $44 | 0.05% |
| LOIS J SCRIMA3 | 2607 VALPARAISO TRL ARLINGTON, TX 76017 | AFLAC | $41 | — | $41 | 0.05% |
| ANGELIQUE N LILES3 | 3402 73RD ST UNIT E LUBBOCK, TX 79423 | AFLAC | $41 | — | $41 | 0.05% |
| VERONICA HEDGES3 | 3833 DUNN RD EASTOVER, NC 28312 | AFLAC | $40 | — | $40 | 0.05% |
| WENDY M SHELLY3 | 9947 CORBRIDGE ST LAS VEGAS, NV 89178 | AFLAC | $28 | — | $28 | 0.03% |
| SUZANNE LEWIS3 | 101 E PARK BLVD PLANO, TX 75074 | AFLAC | $26 | — | $26 | 0.03% |
| JOSH MURILLO3 | 5959 GATEWAY BLVD W STE 620 EL PASO, TX 79925 | AFLAC | $25 | — | $25 | 0.03% |
| MEGAN L GONZALEZ3 | 2629 NORTHGATE LN MCALLEN, TX 78504 | AFLAC | $24 | — | $24 | 0.03% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY STE 660 FARMERS BRANCH, TX 75234 | AFLAC | $24 | — | $24 | 0.03% |
| MICHAEL B MURPHY3 | 3616 SNAPDRAGON LN MCKINNEY, TX 75070 | AFLAC | $24 | — | $24 | 0.03% |
| KYLE L CURBY3 | 429 JESSIE ST KELLER, TX 76248 | AFLAC | $22 | — | $22 | 0.03% |
| CELESTE DIMITRA PULLIAS3 | 44621 JOY CHAPEL ROAD HOLLYWOOD, MD 20636 | AFLAC | $22 | — | $22 | 0.03% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $21 | — | $21 | 0.03% |
| PATRICIA H SMITH3 | 7200 PRESTON RD APT 214 PLANO, TX 75024 | AFLAC | $13 | — | $13 | 0.02% |
| JON R OVERACRE3 | 10502 W 133RD TER APT 107 OVERLAND PARK, KS 66213 | AFLAC | $12 | — | $12 | 0.01% |
| SHARYL K BATHE3 Filed as: SHARYL K JUNEAU | 620 ODD FELLOW RD MATTOON, IL 61938 | AFLAC | $12 | — | $12 | 0.01% |
| JANICE A ROBINSON3 Filed as: JANICE ARLENE ROBINSON | 22010 BRIDGESTONE HAWK CT SPRING, TX 77388 | AFLAC | $11 | — | $11 | 0.01% |
| ELIZABETH F HARKEY3 | 501 N CHURCH ST STE 300 CHARLOTTE, NC 28202 | AFLAC | $11 | — | $11 | 0.01% |
| GRISELDA PEREZ3 | 2209 BETTY DR MISSION, TX 78572 | AFLAC | $11 | — | $11 | 0.01% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $9 | — | $9 | 0.01% |
| NORA GARCIA ELLEDGE3 | 199 COVE DRIVE COPPELL, TX 75019 | AFLAC | $9 | — | $9 | 0.01% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $6 | — | $6 | 0.01% |
| ANTONIA DAVILA3 | 4900 N 23RD ST MCALLEN, TX 78504 | AFLAC | $5 | — | $5 | 0.01% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DR SEBRING, FL 33875 | AFLAC | $3 | — | $3 | 0.00% |
| ERIC J LEGER3 | 623 E 7TH 1/2 ST HOUSTON, TX 77007 | AFLAC | $3 | — | $3 | 0.00% |
| KAREN LYNN GRACZYK3 | 378 LEE ROAD 2194 PHENIX CITY, AL 36870 | AFLAC | $2 | — | $2 | 0.00% |
| VERNON P HERRERA3 | P O BOX 310 SANTA FE, NM 87504 | AFLAC | $2 | — | $2 | 0.00% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $1 | — | $1 | 0.00% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $1 | — | $1 | 0.00% |
| ANDREW M GARCIA3 | 906 CARMEL PRKWY CORPUS CHRISTI, TX 78411 | AFLAC | $1 | — | $1 | 0.00% |
| BILLY KEITH3 | 2211 N 23RD ST MCALLEN, TX 78501 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $1 | — | $1 | 0.00% |
| DANIEL J TAYLOR3 | 2170 N LAKE DR APT 6032 COLUMBIA, SC 29212 | AFLAC | $1 | — | $1 | 0.00% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.22% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 524012002 | UNITEDHEALTHCARE INSURANCE COMPANY | $877 | — | $877 | 3.62% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $127 | $1K | 8.78% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST SE PO BOX 1863 CEDAR RAPIDS, IA 524061863 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $986 | $49 | $1K | 7.50% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, | PO BOX 441 DES MOINES, IA 50302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $335 | $39 | $374 | 10.12% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 500 1ST SE PO BOX 1863 CEDAR RAPIDS, IA 52401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $219 | $11 | $230 | 6.23% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 210 | $107K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 84 | $96K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14 | $18K |
| Other(2 contracts, 2 carriers) | AFLAC | 210 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.