| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $52K | $52K | 3.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.80% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DRIVE RACINE, WI 53406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 8.47% |
| USI INSURANCE SERVICES LLC3 | 7535 IRVINE CENTER DRIVE, SUITE 250 IRVINE, CA 92618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $703 | $7K | 7.79% |
| JOHN DRISCOLL AND COMPANY, INC.3 Filed as: JOHN DRISCOLL AND COMPANY | UNKNOWN GILBERT, AZ 85297 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $471 | $0 | $471 | 0.49% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS, INC. | UNKNOWN GILBERT, AZ 85297 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51 | $0 | $51 | 0.05% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 318 SOUTH WASHINGTON STREET GREEN BAY, WI 54301 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.09% |
| TANISHA MORGAN4 | PO BOX 16372 PHOENIX, AZ 85011 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 9.45% |
| JOHNSON INSURANCE SERVICES LLC4 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $765 | $0 | $765 | 3.81% |
| DON L. HOWARD4 | 4161 EAST SOURWOOD DRIVE GILBERT, AZ 85298 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $344 | $0 | $344 | 1.71% |
| SHARON OKONIEWSKI4 | 3163 EAST BELLERIVE DRIVE CHANDLER, AZ 85249 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $98 | $0 | $98 | 0.49% |
| SANDRA MORGAN4 | 2727 EAST UNIVERSITY DRIVE, LOT 1 TEMPE, AZ 85281 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $86 | $0 | $86 | 0.43% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | UNKNOWN GILBERT, AZ 85297 | EMPLOYER'S DENTAL SERVICES (EDS) | $684 | $0 | $684 | 7.89% |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | HEALTHIEST YOU | $568 | $0 | $568 | 15.00% |
| SUSAN HENDRICKS3 Filed as: SUSAN HEDRICKS | 6718 NORTH PALM CANYON DRIVE PHOENIX, AZ 85018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $156 | $0 | $156 | — |
| JOHNSON INSURANCE SERVICES LLC3 Filed as: JOHNSON INSURANCE SERVICES, LLC | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $145 | $0 | $145 | — |
| GEORGE WIENER3 Filed as: GEORGE WIENER AND OTHER AGENTS | UNKNOWN PHOENIX, AZ 85051 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $78 | $0 | $78 | — |
| GEORGE E GENTRY3 Filed as: GEORGE E. GENTRY | 10550 WEST ALEXANDER ROAD LAS VEGAS, NV 89129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 21700 OXNARD STREET, SUITE 1200 WOODLAND HILLS, CA 91367 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | — |
| JEFFREY THOMAS3 | PO BOX 11312 TEMPE, AZ 85284 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | — |
| RENE ADRIAN RODRIGUEZ3 | 1814 EAST BELL ROAD, UNIT 2009 PHOENIX, AZ 85022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | — |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 201 | $1.3M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 336 | $77K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 336 | $69K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 336 | $165K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $96K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $96K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 201 | $1.3M |
| Other(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 336 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.