| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARREEL SLATER INSURANCE LLC3 | 7855 SOUTH RIVER PARKWAY, SUITE 210 TEMPE, AZ 85284 | UNITEDHEALTHCARE INSURANCE COMPANY | $73K | $93K | $166K | 5.42% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 SOUTH BUILDING C-2 MANASQUAN, NJ 08736 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 20.97% |
| MARREEL SLATER INSURANCE LLC3 Filed as: MARREEL SLATER INSURANCE, LLC | 2475 WEST QUEEN CREEK ROAD SUITE 5 CHANDLER, AZ 85248 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 8.98% |
| HAYS COMPANIES, INC.3 | 5285 SW MEADOWS ROAD, SUITE 451 LAKE OSWEGO, OR 97035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| HAYS COMPANIES, INC.3 | 1325 4TH AVENUE, SUITE 1425 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 13.75% |
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 | 739 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $3.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $3.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $3.1M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $3.1M |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $3.1M |
| Long-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $3.1M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $3.1M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,060 | — |
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.