| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DBP INSURANCE SOLUTIONS3 | 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | KAISER FOUNDATION HEALTH PLAN INC. | $33K | — | $33K | 4.67% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $22K | $51K | 11.80% |
| WCH CONSULTANTS LLC4 | 20118 N 67TH AVE SUITE 300-180 GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES, INC. | $2K | — | $2K | 13.05% |
| JOHN J. ONEILL4 | 12560 N. FALLEN SHADOWS DR MARANA, AZ 85658 | PRE-PAID LEGAL SERVICES, INC. | $376 | — | $376 | 1.98% |
| GLEN B. DELANDER4 | 6360 W. DESERT HOLLOW DR PHOENIX, AZ 85083 | PRE-PAID LEGAL SERVICES, INC. | $34 | — | $34 | 0.18% |
| WAJUCO ASSOCIATES LLC4 | 3004 N 190TH DR LITCHFIELD PARK, AZ 85340 | PRE-PAID LEGAL SERVICES, INC. | $30 | — | $30 | 0.16% |
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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INTERNATIONAL | 47 | $643K |
| Dental | AETNA INTERNATIONAL | 47 | $643K |
| Vision(2 contracts, 2 carriers) | AETNA INTERNATIONAL | 330 | $701K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $429K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $429K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $429K |
| Prescription drug | AETNA INTERNATIONAL | 47 | $643K |
| Stop-loss / reinsurancereinsurance | BERKELEY LIFE & HEALTH INSURANCE COMPANY | 351 | $585K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 750 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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."
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.