| 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 | $0 | $19K | $19K | 2.71% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 110.98% |
| HOLMES MURPHY & ASSOCIATES3 | ATTN OPERATING ACCOUNT DES MOINES, IA 50302 | EYEMED VISION CARE | $447 | $0 | $447 | 4.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL DALLAS, TX 75231 | EYEMED VISION CARE | $418 | $0 | $418 | 4.15% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $688K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $688K |
| Vision | EYEMED VISION CARE | 144 | $10K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 212 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.