| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | BLUE CROSS BLUE SHIELD OF TEXAS | $44K | $1K | $46K | 5.53% |
| JOSEPH ROBERT FALLON3 | 111A N TRAVIS ST, STE 1 SHERMAN, TX 75090 | NORTHWESTERN MUTUAL | $8K | $13K | $21K | 18.47% |
| JOHN F MOORE3 | 2 LINCOLN CENTRE #1300 5420 LYNDON B JOHNSON DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $6K | $8K | $14K | 12.31% |
| CRUSE FNCL GROUP INC3 | 2 LINCOLN CENTRE #1300 5420 LYNDON B JOHNSON DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $2K | $2K | $4K | 3.29% |
| LOREN HSIAO3 | 700 CENTRAL EXPY S, STE 450 ALLEN, TX 75013 | NORTHWESTERN MUTUAL | $937 | $2K | $3K | 2.63% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 13.39% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 194 | $823K |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 194 | $823K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $31K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $31K |
| Long-term disability | NORTHWESTERN MUTUAL | 87 | $112K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.