| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | — | KAISER FOUNDATION HEALTH PLAN INC | $22K | — | $22K | 3.54% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | — | $69K | 11.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $993 | $11K | 15.25% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE 985055 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $867 | $6K | 10.43% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE 985055 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $583 | $4K | 10.61% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | — | VISION SERVICE PLAN | $2K | — | $2K | 4.33% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $464 | — | $464 | 3.42% |
| UZIEL RIVERA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | $62 | $347 | 2.55% |
| JOHN D EVANGELISTA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | $10 | $160 | 1.18% |
| TBX EMPLOYEE BENEFITS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.99% |
| MARILYN B BOWLING3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $9 | $60 | 0.44% |
| TECH COORDINATOR CYBER INSURANCE SO3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.35% |
| LAUREN ASHLEY PERRI3 Filed as: LAUREN JADE STOUT | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.20% |
| MPART BENEFITS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $5 | $22 | 0.16% |
| SOCORRO OLIVIA ALVITRE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.13% |
| DAVID J MCCLELLAN3 Filed as: DAVID ALLEN NEEL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.12% |
| JACK ALLEN NORRIS3 Filed as: JACK WU | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.10% |
| SARAH COURTNEY KNAPP3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| MARIA C GONZALEZ3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| RON BOWLING3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.04% |
| BENEFITS BY DESIGN INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| MAUREEN E CONRAN3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATION INC | — | METLIFE LEGAL PLANS | $995 | — | $995 | 9.91% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC. | — | METLIFE LEGAL PLANS | — | $175 | $175 | 1.74% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, INC. | — | METLIFE LEGAL PLANS | — | $72 | $72 | 0.72% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE 985055 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $685 | $82 | $767 | 15.20% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | — | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $58 | — | $58 | 2.14% |
| JOHN D EVANGELISTA3 | — | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $28 | — | $28 | 1.03% |
| UZIEL RIVERA3 | — | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $16 | — | $16 | 0.59% |
| TBX EMPLOYEE BENEFITS LLC3 | — | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $13 | — | $13 | 0.48% |
| BARBARA ANN BASTON3 | — | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $6 | — | $6 | 0.22% |
| LAUREN ASHLEY PERRI3 Filed as: LAUREN JADE STOUT | — | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $5 | — | $5 | 0.18% |
| MARILYN B BOWLING3 | — | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $5 | — | $5 | 0.18% |
| DAVID J MCCLELLAN3 Filed as: DAVID ALLEN NEEL | — | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $5 | — | $5 | 0.18% |
| RYAN BOWLING3 | — | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $4 | — | $4 | 0.15% |
| BENEFITS BY DESIGN INC3 | — | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3 | — | $3 | 0.11% |
| MPART BENEFITS INC3 | — | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2 | — | $2 | 0.07% |
| RON BOWLING3 | — | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| MAUREEN E CONRAN3 | — | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| UZIEL RIVERA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 4.01% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 3.49% |
| MARILYN B BOWLING3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.99% |
| JOHN D EVANGELISTA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.52% |
| MPART BENEFITS INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.39% |
| TECH COORDINATOR CYBER INSURANCE SO3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.26% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE 985055 | — | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $47 | — | $47 | 10.02% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | — | CIGNA LIFE INSURANCE CO. OF NEW YORK | $12 | — | $12 | 10.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM FINANCIAL, INC. EIN 47-0858530 NONE | Contract Administrator Service code 13 | — | $6K |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 328 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 328 | $614K |
| Vision | VISION SERVICE PLAN | 136 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 84 | $69K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 30 | $54K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 31 | $38K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 328 | $1.2M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 328 | $614K |
| Other(9 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 328 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.