| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 8.91% |
| UNKNOWN3 | UNKNOWN TEMPE, AZ 85282 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 5.91% |
| MARK S METTILLE3 Filed as: MARK STEPHEN METTILLE | 832 BAY STREET NE, UNIT 1 SAINT PETERSBURG, FL 33701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 5.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | 9401 AMBERGLEN BOULEVARD, SUITE 100 AUSTIN, TX 78729 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8605 EAST RAINTREE DRIVE, SUITE 200 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
| NATIONAL BENEFITS CONSULTANTS, INC.3 | 4514 EAST CHUCKWALLA CANYON ROAD PHOENIX, AZ 85044 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 6.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $744 | $236 | $980 | 4.93% |
| NATIONAL BENEFIT CONSULTANTS, INC.3 | 4514 EAST CHUCKWALLA CANYON ROAD PHOENIX, AZ 85044 | ASSURITY LIFE INSURANCE COMPANY | $895 | $0 | $895 | 13.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8605 EAST RAINTREE DRIVE, SUITE 200 SCOTTSDALE, AZ 85260 | ASSURITY LIFE INSURANCE COMPANY | $517 | $0 | $517 | 7.86% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $631K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $149K |
| Vision | VISION SERVICE PLAN | 183 | $22K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $149K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 52 | $20K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $631K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.