| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.60% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.20% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.26% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | 8220 N 23RD AVE PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.30% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE OF ARIZONA | 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 9.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SER WEST | 1144 W WASHINGTON ST TEMPE, AZ 85281 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.53% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 2800 N CENTRAL AVE STE 1100 PHOENIX, AZ 85004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.80% |
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 | 760 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,014 | $7.5M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,014 | $7.5M |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 555 | $70K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 734 | $111K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 354 | $113K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $126K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,014 | $7.5M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 734 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,014 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.