| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | PO BOX 730054 DALLAS, TX 75373 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $42K | $2K | $44K | 14.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | PO BOX 730054 DALLAS, TX 75373 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $28K | $2K | $30K | 14.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA | PO BOX 730054 DALLAS, TX 75373 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $13K | $825 | $14K | 14.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | SERVICES WEST, INC. 16220 N SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $958 | $11K | 13.68% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $506 | $5K | 5.98% |
| BKA BENEFITS4 | 6717 W WAHALLA LN GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $471 | — | $471 | 17.81% |
| GALILEE BROKERS INTERNATIONAL LLC4 | P.O.BOX 5044 PEORIA, AZ 85385 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $346 | — | $346 | 13.08% |
| MARK UDY4 Filed as: MARK UDY IV | 15043 W COLUMBINE DR SURPRISE, AZ 85379 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $81 | — | $81 | 3.06% |
| ARNETT INSURANCE SERVICES LLC4 | 3850 E BASELINE RD STE 106 MESA, AZ 85206 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $10 | — | $10 | 0.38% |
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 | 709 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 789 | $295K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 189 | $97K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 448 | $203K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 789 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 789 | — |
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.