| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA, LLC | 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | KAISER FOUNDATION HEALTH PLAN, INC. | $40K | — | $40K | 5.52% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ARIZONA LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | — | $31K | 6.51% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $25K | $25K | 5.18% |
| WILLIAM HARREL4 | 20118 N 67TH AVE SUITE 300-180 GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | — | $2K | 9.64% |
| JOHN J. ONEILL4 | 12560 N. FALLEN SHADOWS DR MARANA, AZ 85658 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $265 | — | $265 | 1.30% |
| WAJUCO ASSOCIATES LLC4 | 11899 N SPEARFISH ST SURPRISE, AZ 85388 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $30 | — | $30 | 0.15% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INSURANCE SERVICES | 4605 COLUMBUS ST VIRGINIA BEACH, VA 23462 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $21 | — | $21 | 0.10% |
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 | 381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INTERNATIONAL | 12 | $183K |
| Dental | AETNA INTERNATIONAL | 12 | $183K |
| Vision(2 contracts, 2 carriers) | AETNA INTERNATIONAL | 317 | $255K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $483K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $483K |
| Prescription drug | AETNA INTERNATIONAL | 12 | $183K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 351 | $877K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 820 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.