| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | $652 | $52K | $53K | 1.88% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES | PO BOX 9207 DES MOINES, AL 50306 | HARTFORD LIFE AND ACCIDENT | $33K | $0 | $33K | 1.17% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 0.51% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $52 | $52 | 0.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES | 12712 PARK CENTRAL DRIVE DALLAS, TX 75251 | HM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES | 12712 PARK CENTRAL DRIVE DALLAS, TX 75251 | ZURICH AMERICAN INSURANCE COMPANY | $349 | $0 | $349 | 14.99% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $349 | $349 | 14.99% |
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 | 3,787 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 770 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 265 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,776 | $1.3M |
| Vision | HM LIFE INSURANCE COMPANY | 6,062 | $301K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,002 | $2.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,002 | $2.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,002 | $2.8M |
| Prescription drug | HIGHMARK INC. | 265 | $2.3M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 4,503 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,776 | — |
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.