| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., BLDG. 1, SUITE 103 PHOENIX, AZ 85048 | UNITED HEALTHCARE INSURANCE COMPANY | — | $28K | $28K | 3.70% |
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD., BLDG. 1, SUITE 103 PHOENIX, AZ 85048 | UNITED HEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.37% |
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD., BLDG. 1, SUITE 103 PHOENIX, AZ 85048 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 6.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., BLDG. 1, SUITE 103 PHOENIX, AZ 85048 | AMERITAS LIFE INSURANCE CORP. | $199 | — | $199 | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., BLDG. 1, SUITE 103 PHOENIX, AZ 85048 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 6.47% |
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD., BLDG. 1, SUITE 103 PHOENIX, AZ 85048 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 3.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., BLDG. 1, SUITE 103 PHOENIX, AZ 85048 | HM LIFE INSURANCE COMPANY | $436 | — | $436 | 5.61% |
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD., BLDG. 1, SUITE 103 PHOENIX, AZ 85048 | HM LIFE INSURANCE COMPANY | $341 | — | $341 | 4.39% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 158 | $758K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 98 | $56K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 101 | $64K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 219 | $45K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 219 | $45K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 219 | $45K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 158 | $758K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 219 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.