| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS P MCKIERNAN3 Filed as: THOMAS W BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $466K | $466K | 112.27% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $3K | $10K | 14.00% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 14.00% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS BEAL | 6730 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $492 | $2K | 13.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS CO CIGNA EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Other services; Participant communication; Direct payment from the plan; Float revenue; Non-monetary compensation; Named fiduciary; Claims processing Service code 12 | 280 TRUMBULL ST F15 HARTFORD, CT 06103 | $466K |
| CIGNA HEALTH & LIFE INS CO CIGNA 59 | Named fiduciary; Contract Administrator; Direct payment from the plan; Other services; Claims processing; Non-monetary compensation; Float revenue; Participant communication Service code 12 | — | $0 |
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 | 814 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 582 | $51K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 552 | $73K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 814 | $415K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 582 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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.