| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 850182614 | UNITEDHEALTHCARE INSURANCE COMPANY | $62K | — | $62K | 7.47% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 9225 PRIORITY WAY WEST DRIVE SUITE 100 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF ARIZONA | $8K | — | $8K | 8.04% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 16.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | P.O. BOX 50435 INDIANAPOLIS, IN 462500418 | VISION SERVICE PLAN | $818 | — | $818 | 5.30% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | VISION SERVICE PLAN | $126 | — | $126 | 0.82% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 16.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $692 | — | $692 | 15.99% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 266 | $832K |
| Dental | DELTA DENTAL OF ARIZONA | 102 | $104K |
| Vision | VISION SERVICE PLAN | 74 | $15K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $28K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20 | $4K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.