| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL SERVICES, LLC | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $44K | $0 | $44K | 15.41% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL SERVICES, LLC | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | STARMOUNT LIFE INSURANCE COMPANY | $25K | $0 | $25K | 10.06% |
| NOAH OROPEZA3 Filed as: NOAH G. OROPEZA | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.00% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL SERVICES, LLC | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | UNUM INSURANCE COMPANY | $17K | $0 | $17K | 13.70% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $10K | $0 | $10K | 8.00% |
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 | 292 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 258 | $250K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 258 | $250K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 292 | $287K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 292 | $287K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 292 | $287K |
| Other | UNUM INSURANCE COMPANY | 127 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.