| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 9207 DES MOINES, IA 50306 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $0 | $31K | 3.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN TX DALLAS | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 1.35% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES, LLC | PO BOX 9207 DES MOINES, IA 50306 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 15.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES, INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.79% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | VISION SERVICE PLAN | $2K | — | $2K | 9.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES, INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $668 | — | $668 | 3.71% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | ARAG LEGAL | $1K | $0 | $1K | 11.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | ARAG LEGAL | $426 | $0 | $426 | 3.92% |
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 | 69 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 69 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 75 | $976K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 75 | $976K |
| Vision | VISION SERVICE PLAN | 58 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $133K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $133K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $133K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 75 | $976K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.