| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | — | BLUE CROSS BLUE SHIELD OF AZ | $79K | — | $79K | 5.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INS SERVICES INC | — | BLUE CROSS BLUE SHIELD OF AZ | $45K | — | $45K | 3.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | KAISER | $6K | — | $6K | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY | — | KAISER | $5K | — | $5K | 0.61% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | — | STARMOUNT LIFE INSURANCE COMPANY | $23K | $10K | $33K | 5.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | STARMOUNT LIFE INSURANCE COMPANY | $8K | $2K | $10K | 1.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | — | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 2.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.61% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | — | UNUM | $11K | $3K | $13K | 12.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | UNUM | $2K | $235 | $2K | 2.24% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | — | UNUM | $10K | $3K | $13K | 13.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | UNUM | $3K | $199 | $3K | 2.95% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | — | UNUM | $6K | $2K | $8K | 12.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | — | UNUM | $2K | $140 | $2K | 3.17% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | — | UNUM | $5K | $753 | $6K | 12.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | UNUM | $2K | $107 | $2K | 4.63% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | — | UNUM | $7K | $1K | $8K | 21.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | UNUM | $23 | $3 | $26 | 0.07% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | — | UNUM | $7K | $1K | $8K | 23.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | — | UNUM | $21 | $3 | $24 | 0.07% |
| LEGAL BENEFITS STOLTZ LLC4 Filed as: LEGAL BENEFITS STOLTZ, LLC | — | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $1K | — | $1K | 8.50% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CA | — | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $1K | — | $1K | 8.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM EIN 01-0278678 TPA | Claims processing; Contract Administrator Service code 12 | — | $27K |
| WEX EIN 06-1593514 FSA TPA | Contract Administrator; Claims processing Service code 12 | — | $23K |
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 | 1,059 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF AZ | 1,329 | $2.7M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 905 | $658K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 905 | $658K |
| Life insurance(2 contracts) | UNUM | 1,059 | $159K |
| Long-term disability | UNUM | 157 | $106K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF AZ | 1,329 | $2.7M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF AZ | 1,329 | $1.4M |
| Other(6 contracts, 2 carriers) | UNUM | 1,059 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,329 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.