| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS P MCKIERNAN3 Filed as: THOMAS W BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA - MEDICAL | $325K | $12K | $337K | 34.40% |
| THOMAS WILLIAM BEAL3 | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE LK 963268 | $56K | $6K | $62K | 16.56% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS W BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA - DENTAL | $35K | $12K | $47K | 13.14% |
| THOMAS WILLIAM BEAL3 | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE FLX964645 | $15K | $2K | $17K | 15.49% |
| BEAL INSURANCE3 | 6730 N SCOTTSDALE RD 285 SCOTTSDALE, AZ 85253 | AVESIS | $7K | — | $7K | 9.98% |
| THOMAS WILLIAM BEAL3 | 6370 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE VDT961132 | $7K | $883 | $8K | 15.35% |
| THOMAS WILLIAM BEAL3 | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE OK 966232 | $2K | $257 | $3K | 16.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 SERVICE PROVIDER | Other services; Float revenue; Direct payment from the plan; Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | 280 TRUMBULL ST F15 HARTFORD, CT 06103 | $121K |
| CIGNA HEALTH AND LIFE INSURANCE 59- | Non-monetary compensation; Other services; Float revenue; Participant communication; Contract Administrator; Direct payment from the plan; Named fiduciary; Claims processing Service code 12 | — | $0 |
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 | 707 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA - MEDICAL | 886 | $979K |
| Dental | CIGNA - DENTAL | 694 | $354K |
| Vision | AVESIS | 576 | $73K |
| Life insurance | CIGNA GROUP INSURANCE FLX964645 | 1,192 | $111K |
| Short-term disability | CIGNA GROUP INSURANCE VDT961132 | 1,192 | $51K |
| Long-term disability | CIGNA GROUP INSURANCE LK 963268 | 1,192 | $375K |
| Other | CIGNA GROUP INSURANCE OK 966232 | 1,192 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,192 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.