| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS INTERNATIONAL3 | 7901 NORTH 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | HARTFORD LIFE AND ACCIDENT | $51K | $0 | $51K | 11.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | -$18 | -$18 | -0.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | PO BOX 32702 TUCSON, AZ 85751 | HARTFORD LIFE AND ACCIDENT | -$41 | $0 | -$41 | -0.01% |
| EMPLOYEE BENEFITS INTERNATIONAL3 | 7901 NORTH 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | DELTA DENTAL OF ARIZONA | $29K | $0 | $29K | 10.00% |
| EMPLOYEE BENEFITS INTERNATIONAL3 | 7901 NORTH 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $4K | $0 | $4K | 9.90% |
| EMPLOYEE BENEFITS INTERNATIONAL3 | 2525 EAST BILTMORE CIRCLE SUITE D144 PHOENIX, AZ 85016 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 26.17% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 EAST DOUBLETREE RANCH ROAD SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $628 | $0 | $628 | 2.58% |
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 | 585 | 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) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 490 | $289K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 838 | $41K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 717 | $471K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 717 | $447K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 717 | $447K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 717 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 838 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.