| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 7639 PINNALCE PEAK ROAD SUITE 100 SCOTTSDALE, AZ 85255 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $14K | $14K | 2.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.77% |
| STRUNK INSURANCE GROUP3 Filed as: STRUNK INSURANCE GROUP INC | 14425 NORTH 7TH STREET SUITE 102 PHOENIX, AZ 85022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.74% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 7639 PINNACLE PEAK ROAD SUITE 100 SCOTTSDALE, AZ 85255 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $981 | — | $981 | 0.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $946 | — | $946 | 0.15% |
| STRUNK INSURANCE GROUP3 Filed as: STRUNK INSURANCE GROUP INC | 14425 NORTH 7TH STREET SUITE 102 PHOENIX, AZ 85022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $942 | — | $942 | 0.15% |
| THE BRELLA GROUP3 | 5642 EASTS EDGEMONT AVENUE SCOTTSDALE, AZ 85257 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.49% |
| USI INSURANCE SERVICES LLC3 | 333 SOUTH GRAND AVENUE SUITE 1450 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $685 | $2K | 7.91% |
| STRUNK INSURANCE GROUP3 | 14425 NORTH 7TH STREET SUITE 102 PHOENIX, AZ 85022 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $578 | — | $578 | 2.16% |
| FBC SERVICES INC3 Filed as: FBC SERVICES | 14201 NORTH 87TH STREET SUITE D141 SCOTTSDALE, AZ 85260 | HEALTHIEST YOU | $663 | — | $663 | 8.33% |
| ALLIANCE BUSINESS SOLUTIONS3 | 233 SOUTH WACKER DRIVE FLOOR 3600 CHICAGO, IL 60606 | HEALTHIEST YOU | $385 | — | $385 | 4.84% |
| STRUNK INSURANCE GROUP3 | 14425 NORTH 7TH STREET SUITE 102 PHOENIX, AZ 85022 | HEALTHIEST YOU | $147 | — | $147 | 1.85% |
No Schedule C service providers reported on this filing.
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $630K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $630K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $630K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $27K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $27K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.