| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC. | PO BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $57K | $66K | 5.39% |
| JOSEPH ROBERT FALLON3 | 111A N TRAVIS ST STE 1 SHERMAN, TX 75090 | NORTHWESTERN MUTUAL | $3K | $701 | $3K | 2.81% |
| JOHN F MOORE3 | 5420 LYNDON B JOHNSON STE 1300 DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $2K | $568 | $2K | 1.95% |
| CRUSE FNCL GROUP INC3 Filed as: CRUSE FNCL GROUP | 5420 LYNDON B JOHNSON 2 LINCOLN CENTRE #1300 DALLAS, TX 75240 | NORTHWESTERN MUTUAL | $721 | $87 | $808 | 0.65% |
| ROBERT D DAVIDSON3 Filed as: ROBERT EDWARD CALDWELL | THE MADISON BLDG 15851 DALLAS PKWY #1230 ADDISON, TX 75001 | NORTHWESTERN MUTUAL | $299 | $108 | $407 | 0.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC. | PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 16.28% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC. | PO BOX 441 DES MOINES, IA 50302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $390 | $0 | $390 | 16.38% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $18K |
| Long-term disability | NORTHWESTERN MUTUAL | 83 | $124K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.