| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2333 WEST UNIVERSITY DRIVE SUITE C-103 TEMPE, AZ 85281 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 3.06% |
| USI INSURANCE SERVICES LLC3 | 3805 WEST CHESTER PIKE, SUITE 200 NEWTOWN SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 2.01% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE, SUITE 700 ATLANTA, GA 30328 | BEAZLEY INSURANCE COMPANY, INC. | $3K | $0 | $3K | 8.81% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP ENTERPRISES, INC. | 233 WEST UNIVERSITY DRIVE SUITE C-103 TEMPE, AZ 85281 | BEAZLEY INSURANCE COMPANY, INC. | $2K | $0 | $2K | 6.19% |
| ARIZONA BENEFIT CONSULTANTS LLC3 Filed as: ARIZONA BENEFIT CONSULTANTS | 6245 NORTH 24TH PARKWAY, SUITE 201 PHOENIX, AZ 85016 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $338 | $0 | $338 | 15.02% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 150 | $219K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 150 | $219K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 150 | $219K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 150 | $219K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 150 | $219K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 150 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.