| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARREEL SLATER INSURANCE LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | — | $42K | 17.69% |
| MARRELL SLATER INSURANCE, LLC3 Filed as: MARRELL SLATER INSURANCE | 7855 S RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 12.54% |
| MARREEL SLATER INSURANCE LLC3 Filed as: MARREEL SLATER INSURANCE | 7855 S RIVER PARKWAY SUITE 210 TEMPE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 12.41% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 SOUTH BUILDING C-2 MANASQUAN, NJ 08736 | AFLAC | $7K | — | $7K | 30.31% |
| MARREEL SLATER INSURANCE LLC3 | 2475 WEST QUEEN CREEK ROAD SUITE 5 CHANDLER, AZ 85248 | AFLAC | $3K | — | $3K | 14.16% |
| MARREEL SLATER INSURANCE LLC3 Filed as: MARREEL SLATER INSURANCE | 7855 S RIVER PARKWAY SUITE 210 TEMPE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 12.51% |
| MARREEL SLATER INSURANCE LLC3 Filed as: MARREEL SLATER INSURANCE, LLC | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AK 85284 | METLIFE LEGAL PLANS | $510 | — | $510 | 10.04% |
| MARREEL SLATER INSURANCE LLC3 Filed as: MARREEL SLATER INSURANCE | 7855 S RIVER PARKWAY SUITE 210 TEMPE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $412 | — | $412 | 12.43% |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $235K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $235K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $235K |
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 308 | $39K |
| Short-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $18K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $26K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $235K |
| Other(6 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 308 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.