| 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 | $117K | $117K | 5.21% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR # 100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 0.23% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 752511527 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $16K | 13.47% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 503069207 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.81% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | 12712 PARK CENTRAL DR STE 100 DALLAS, TX 752511527 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $45 | $8K | 9.71% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 503069207 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.82% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 409 | $2.2M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $194K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $194K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $194K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $116K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $116K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.