| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHEY AND ASSOCIATES, LLC | BOX 441 DES MOINES, IA 50306 | BLUECROSS BLUESHIELD OF TEXAS | $84K | $0 | $84K | 5.06% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHEY AND ASSOCIATES, INC. | BOX 441 DES MOINES, IA 50302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $2K | $11K | 6.15% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHEY AND ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $2K | $17K | 20.70% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHEY AND ASSOCIATES, INC. | BOX 441 WEST DES MOINES, IA 50302 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $10K | $0 | $10K | 16.22% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHEY AND ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $1K | — | $1K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHEY AND ASSOCIATES, INC. | BOX 441 DES MOINES, IA 50302 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 NONE | Contract Administrator Service code 13 | 14643 DALLAS PARKWAY DALLAS, TX 75254 | $771K |
| VERISOURCE SERVICES, INC EIN 76-0554001 NONE | Contract Administrator Service code 13 | 7600 W. TIDWELL RD, SUITE 700 HOUSTON, TX 77040 | $26K |
| ALIGHT SOLUTIONS EIN 82-1061233 NONE | Contract Administrator Service code 13 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | $10K |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 362 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $183K |
| Vision | VISION SERVICE PLAN | 171 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $80K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 204 | $62K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 362 | $1.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.