| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $113K | $22K | $135K | 14.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP. OF AZ | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $27K | — | $27K | 9.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF AZ | 16220 N SCOTTSDALE RD 600 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $24K | — | $24K | 9.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | 7899 FROSYTH BLVD STE 830 ST. LOUIS, MO 63105 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 10.31% |
| SELECT NETWORKS3 | 317 6TH AVE., DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 6.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | VISION SERVICE PLAN | $1K | — | $1K | 5.23% |
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 | 1,350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 44 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF ARIZONA | 562 | $529K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 703 | $126K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,277 | $926K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,277 | $926K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,277 | $926K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,277 | $946K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,277 | — |
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.