| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARREEL SLATER INSURANCE LLC3 | 7855 SOUTH RIVER PARKWAY SUITE 210 CONNEXION BUILDING TEMPE, AZ 85284 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $110K | $113K | 3.35% |
| MARREEL SLATER INSURANCE LLC3 | 7855 SOUTH RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $21K | $44K | 7.51% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 SOUTH BUILDING C-2 MANASQUAN, NJ 08736 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41K | — | $41K | 41.74% |
| MARREEL SLATER INSURANCE LLC3 | 2475 WEST QUEEN CREEK ROAD SUITE 5 CHANDLER, AZ 85248 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 17.89% |
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 | 820 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,238 | $3.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 860 | $588K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 860 | $588K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 860 | $660K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 860 | $660K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 860 | $660K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 820 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,238 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.