| 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 | $46K | $1K | $48K | 5.35% |
| JOSEPH ROBERT FALLON3 | 111A N TRAVIS ST, STE 1 SHERMAN, TX 75090 | NORTHWESTERN MUTUAL | $3K | $676 | $3K | 3.48% |
| JOHN F MOORE3 | 2 LINCOLN CENTRE #1300 5420 LYNDON B JOHNSON DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $2K | $450 | $2K | 2.32% |
| CRUSE FNCL GROUP INC3 | 2 LINCOLN CENTRE #1300 5420 LYNDON B JOHNSON DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $695 | $83 | $778 | 0.81% |
| ROBERT D DAVIDSON3 Filed as: ROBERT EDWARD CALDWELL | THE MADISON BLDG 15851 DALLAS PKWY #1230 ADDISON, TX 75001 | NORTHWESTERN MUTUAL | $298 | $107 | $405 | 0.42% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | DEARBORN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.55% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 201 | $890K |
| Dental | BLUE CROSS BLUE SHIELD OF TEXAS | 201 | $890K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 129 | $34K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 129 | $34K |
| Long-term disability | NORTHWESTERN MUTUAL | 86 | $97K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 129 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.