| 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 | $210K | $10K | $220K | 17.56% |
| ACRISURE LLC3 | 6730 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85253 | CIGNA - MEDICAL | $145K | — | $145K | 11.59% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEAL INSURANCE | 6730 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE LK 963268 | $69K | $5K | $74K | 15.98% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS W BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA - DENTAL | $24K | — | $24K | 5.79% |
| ACRISURE LLC3 | 673 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85253 | CIGNA - DENTAL | $17K | — | $17K | 4.04% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEAL INSURANCE | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE FLX964645 | $25K | $1K | $26K | 15.89% |
| BEAL INSURANCE3 | 6730 N SCOTTSDALE RD 285 SCOTTSDALE, AZ 85253 | AVESIS | $10K | — | $10K | 9.74% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEAL INSURANCE | 6730 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE VDT961132 | $14K | $903 | $15K | 15.96% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEAL INSURANCE | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE OK 966232 | $4K | $206 | $4K | 15.87% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEAL INSURANCE | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE - NYD068552 | $104 | — | $104 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 SERVICE PROVIDER | Direct payment from the plan; Other services; Contract Administrator; Participant communication; Named fiduciary; Claims processing Service code 12 | 280 TRUMBULL ST F15 HARTFORD, CT 06103 | $576K |
| CIGNA HEALTH AND LIFE INSURANCE 59- | Participant communication; Contract Administrator; Float revenue; Other services; Claims processing; Direct payment from the plan; Named fiduciary; Non-monetary compensation 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 | 1,643 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA - MEDICAL | 874 | $1.3M |
| Dental | CIGNA - DENTAL | 754 | $423K |
| Vision | AVESIS | 981 | $105K |
| Life insurance | CIGNA GROUP INSURANCE FLX964645 | 1,643 | $167K |
| Short-term disability | CIGNA GROUP INSURANCE VDT961132 | 153 | $94K |
| Long-term disability | CIGNA GROUP INSURANCE LK 963268 | 793 | $461K |
| Other(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE OK 966232 | 1,643 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,643 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.