| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SRVCS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $74K | — | $74K | 9.83% |
| MARREEL SLATER INSURANCE LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | $9K | $55K | 7.27% |
| MARREEL SLATER INSURANCE LLC3 | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 15.00% |
| MARREEL SLATER INSURANCE LLC3 | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 15.00% |
| MARREEL SLATER INSURANCE LLC3 | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 15.00% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 SOUTH BUILDING C-2 MANASQUAN, NJ 08736 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 7.89% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.94% |
| MARRELL SLATER INSURANCE, LLC3 | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | METROPOLITAN PROPERTY AND CASAULTY INSURANCE CO. | $1K | — | $1K | 10.23% |
| MARREEL SLATER INSURANCE LLC3 | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWN INSURANCE | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 7855 SOUTH RIVER PAKRWAY SUITE 210 TEMPE, AZ 85284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $931 | — | $931 | 14.99% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWN INSURANCE | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $628 | — | $628 | 14.99% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $110 | — | $110 | 14.97% |
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 | 500 | 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) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 498 | $108K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $69K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $92K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 387 | $754K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 498 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.
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.