| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED THOMAS MAXWELL | ACIUS CONSULTING GROUP 2591 DALLAS PARKWAY STE. 203 FRISCO, TX 75034 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $54K | $8K | $62K | 2.92% |
| UNITED HEALTH CARE5 | PO BOX 30555 SALT LAKE CITY, UT 84130 | QBE INSURANCE | — | $129K | $129K | 7.00% |
| FRED MAXWELL - ACIUS GROUP3 Filed as: FRED THOMAS MAXWELL | ACIUS CONSULTING GROUP 2591 DALLAS PARKWAY STE 203 FRISCO, TX 75034 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $54K | $2K | $56K | 10.34% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR. STE 100 DALLAS, TX 752511527 | VISION SERVICE PLAN | $15K | — | $15K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | $0 | $19K | 8.00% |
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 9207 DES MOINES, IA 503069207 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $7K | — | $7K | 5.04% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY ASSOC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: JHOLMES MURPHY & ASSOCIATES | P O BOX 9207 DES MOINES, IA 503069207 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $90 | — | $90 | 6.92% |
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 | 2,890 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $243K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $243K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,301 | $378K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,227 | $2.1M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,154 | $544K |
| Other(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,227 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.