| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARREEL SLATER INSURANCE LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $97K | — | $97K | 17.25% |
| MARREEL SLATER INSURANCE LLC3 Filed as: MARREEL SLATER INSURANCE | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $4K | $18K | 19.14% |
| MARREEL SLATER INSURANCE LLC3 Filed as: MARREEL SLATER INSURANCE | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $3K | $13K | 19.25% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 SOUTH BUILDING C-2 MANASQUAN, NJ 08736 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 20.99% |
| JOTO HOLDING, LLC3 | 2475 WEST QUEEN CREEK ROAD SUITE 5 CHANDLER, AZ 85248 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 9.55% |
| MARREEL SLATER INSURANCE LLC3 Filed as: MARREEL SLATER INSURANCE | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $8K | 18.56% |
| MARRELL SLATER INSURANCE, LLC3 | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | METROPOLITAN PROPERTY AND CASAULTY INSURANCE CO. | $1K | — | $1K | 10.02% |
| MARREEL SLATER INSURANCE LLC3 Filed as: MARREEL SLATER INSURANCE | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $325 | $2K | 18.95% |
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 | 394 | 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) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 389 | $95K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $67K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 303 | $563K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 389 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.