| 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 752511527 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | — | $61K | 8.79% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 9207 DES MOINES, IA 503069207 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 4.78% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES LLC | PO BOX 9207 DES MOINES, IA 503069207 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $6K | $44K | 10.60% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | PO BOX 1313 ORLANDO, FL 32802 | STANDARD INSURANCE COMPANY | — | $39K | $39K | 23.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC INC | PO BOX 9207 DES MOINES, IA 503069207 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 8.41% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49515 | STANDARD INSURANCE COMPANY | $374 | — | $374 | 0.23% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | PO BOX 1313 ORLANDO, FL 32802 | STANDARD INSURANCE COMPANY | — | $21K | $21K | 23.68% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 9207 DES MOINES, IA 503069207 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 8.38% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $201 | — | $201 | 0.22% |
| HOLMES MURPHY & ASSOCIATES3 | PO BOX 9207 DES MOINES, IA 503069207 | EYE MED | $6K | — | $6K | 8.67% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | PO BOX 1313 ORLANDO, FL 32802 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 23.19% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOC INC | PO BOX 9207 DES MOINES, IA 503069207 | STANDARD INSURANCE COMPANY | $751 | — | $751 | 7.76% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49515 | STANDARD INSURANCE COMPANY | $13 | — | $13 | 0.13% |
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 | 720 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,539 | $413K |
| Vision | EYE MED | 1,183 | $71K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,356 | $164K |
| Short-term disability | STANDARD INSURANCE COMPANY | 32 | $10K |
| Long-term disability | STANDARD INSURANCE COMPANY | 252 | $90K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,442 | $694K |
| Other | STANDARD INSURANCE COMPANY | 3,356 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,356 | — |
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.