| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $22K | $26K | 5.64% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 9207 DES MOINES, IA 503069207 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 17.77% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $857 | — | $857 | 15.01% |
| HOLMES MURPHY & ASSOCIATES3 | P.O. BOX 9207 DES MOINES, IA 503069207 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $458 | — | $458 | 8.32% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DRIVE, SUITE 100 DALLAS, TX 75251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $601 | — | $601 | 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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $459K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $452K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 146 | $6K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $10K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $7K |
| Other(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 139 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.