| 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 | — | — | $0 | 0.00% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS W BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA - DENTAL | $41K | $9K | $50K | 12.03% |
| THOMAS WILLIAM BEAL3 | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE LK 963268 | $56K | $6K | $62K | 16.56% |
| 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 | $9K | — | $9K | 10.01% |
| 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 | Float revenue; Claims processing; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Other services; Contract Administrator Service code 12 | 280 TRUMBULL ST F15 HARTFORD, CT 06103 | $226K |
| CIGNA HEALTH AND LIFE INSURANCE 59- | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Float revenue; Participant communication; Other services; Direct payment from the plan 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 | 1,662 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA - MEDICAL | 0 | $1.1M |
| Dental | CIGNA - DENTAL | 823 | $414K |
| Vision | AVESIS | 712 | $93K |
| Life insurance | CIGNA GROUP INSURANCE FLX964645 | 1,819 | $111K |
| Short-term disability | CIGNA GROUP INSURANCE VDT961132 | 177 | $51K |
| Long-term disability | CIGNA GROUP INSURANCE LK 963268 | 1,662 | $375K |
| Other | CIGNA GROUP INSURANCE OK 966232 | 1,819 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,819 | — |
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.