| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $155K | $180K | 5.80% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | PO BOX 3430 CARMEL, IN 46082 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $20K | $20K | 0.63% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $40K | $0 | $40K | 20.15% |
| MJ INSURANCE6 Filed as: MJ INSURANCE INC. | PO BOX 3430 CARMEL, IN 46082 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $500 | $500 | 0.25% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $53 | $53 | 0.03% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $7 | $7 | 0.00% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 570 | $3.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 570 | $3.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 570 | $3.1M |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $197K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $197K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $197K |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.