| 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 | $425K | $10K | $435K | 36.89% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEAL INS | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE LK 963268 | $79K | — | $79K | 15.00% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS W BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA - DENTAL | $43K | — | $43K | 9.83% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEAL INS | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE FLX964645 | $26K | — | $26K | 15.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEAL INS | 6370 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE VDT961132 | $16K | — | $16K | 15.00% |
| BEAL INSURANCE3 | 6730 N SCOTTSDALE RD 285 SCOTTSDALE, AZ 85253 | AVESIS | $9K | — | $9K | 10.03% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEAL INS | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE OK 966232 | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 SERVICE PROVIDER | Non-monetary compensation; Claims processing; Other services; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | 280 TRUMBULL ST F15 HARTFORD, CT 06103 | $569K |
| CIGNA HEALTH AND LIFE INSURANCE 59- | Other services; Float revenue; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; 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 | 1,739 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA - MEDICAL | 834 | $1.2M |
| Dental | CIGNA - DENTAL | 825 | $437K |
| Vision | AVESIS | 696 | $91K |
| Life insurance | CIGNA GROUP INSURANCE FLX964645 | 1,904 | $172K |
| Short-term disability | CIGNA GROUP INSURANCE VDT961132 | 201 | $105K |
| Long-term disability | CIGNA GROUP INSURANCE LK 963268 | 1,739 | $526K |
| Other | CIGNA GROUP INSURANCE OK 966232 | 1,739 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,904 | — |
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.