| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 12712 PARK CTRL DR. SUITE 100 DALLAS, TX 75251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 12.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOMES MURPHY & ASSOCIATES INC. | PO BOX 9207 DES MOINES, IA 503069207 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 4.46% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 12.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOMES MURPH & ASSOCIATES INC. | PO BOX 9207 DES MOINES, IA 503069207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.76% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 12712 PARK CIRCLE DRIVE SUITE 100 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 12.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | PO BOX 9207 DES MOINES, IA 503609207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.58% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.11% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES DALLAS | PO BOX 9207 DES MOINES, IA 503069207 | EYEMED VISION CARE | $11K | — | $11K | 11.76% |
| FLEXVISION - MD3 | 15400 CALHOUN DR. ROCKVILLE, MD 20855 | EYEMED VISION CARE | $3K | — | $3K | 3.53% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | 3001 WESTOWN PARKWAY P O BOX 9207 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 46.14% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $238 | $238 | 0.28% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC. | PO BOX 9207 DES MOINES, IA 503069207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.24% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $993 | — | $993 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 12712 PARK CENTRAL DR. SUITE 75251 DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOMES MURPHY & ASSOCIATES INC. | PO BOX 9207 DES MOINES, IA 503069207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.35% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $544 | — | $544 | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | 12712 PARK CENTRAL DRIVE DALLAS, TX 75251 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $1K | $1K | 15.00% |
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 | 1,101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,455 | $94K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,638 | $295K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 655 | $120K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 618 | $109K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,638 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,638 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.