| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THOMAS W BEAL | 6730 N SCOTTSDALE ROAD SUITE 285 SCOTTSDALE, AZ 85253 | CIGNA - MEDICAL | $317K | $9K | $326K | 27.28% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS W BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA - MEDICAL | — | $2K | $2K | 0.18% |
| ACRISURE LLC3 | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA - DENTAL | $53K | $3K | $57K | 16.10% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEAL INSURANCE | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE LK 963268 | $14K | $15K | $29K | 31.66% |
| BEAL INSURANCE3 | 6730 N SCOTTSDALE RD 285 SCOTTSDALE, AZ 85253 | AVESIS | $8K | — | $8K | 10.31% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEAL INSURANCE | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE FLX964645 | $8K | $4K | $13K | 23.40% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEAL INSURANCE | 6370 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE VDT961132 | $5K | $3K | $8K | 23.98% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEAL INSURANCE | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE OK 966232 | $1K | $700 | $2K | 24.44% |
| ACRISURE LLC Filed as: ACRISURE LLC DBA BEAL INSURANCE | 6730 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE - NYD068552 | $67 | $72 | $139 | 20.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE 59-10 | Participant communication; Other services; Contract Administrator; Non-monetary compensation; Named fiduciary; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSURANCE 59- | Named fiduciary; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Participant communication 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 | 857 | $1.2M |
| Dental | CIGNA - DENTAL | 756 | $351K |
| Vision | AVESIS | 954 | $78K |
| Life insurance | CIGNA GROUP INSURANCE FLX964645 | 1,739 | $53K |
| Short-term disability | CIGNA GROUP INSURANCE VDT961132 | 147 | $31K |
| Long-term disability | CIGNA GROUP INSURANCE LK 963268 | 787 | $90K |
| Other(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE OK 966232 | 1,739 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,739 | — |
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.