| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, INC | 12712 PARK CENTRAL DRIVE -SUITE 100 DALLAS, TX 75251 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $46K | — | $46K | 9.97% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | 12712 PARK CENTRAL DRIVE-STE 100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $2K | $22K | 4.86% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 12712PARK CENTRAL DR-STE 100 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN J MCGURRAN | 15303 N DALLAS PARKWAY - #550 ADDISON, TX 75001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $64 | — | $64 | 0.07% |
| ERIK G LILJENWALL3 Filed as: ERIK G. LILJENWALL-KANE | 4130 SPICEWOOD SPRINGS ROAD-STE 200 AUSTIN, TX 78759 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 0.05% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC, INC. | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.88% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC, INC. | PO BOX 9207 DES MOINES, IA 50306 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 16.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC | 12712 PARK CENTRAL DRIVE-SUITE 100 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 187.02% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 105 | $918K |
| Dental(3 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 105 | $554K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $93K |
| Life insurance(3 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 105 | $554K |
| Short-term disability | STANDARD INSURANCE COMPANY | 116 | $28K |
| Long-term disability | STANDARD INSURANCE COMPANY | 24 | $22K |
| Other(3 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 105 | $554K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.