| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIDGEMARK INSURANCE GROUP3 Filed as: BRIDGEMARK INSURANCE GROUP LLC | 6929 N HAYDEN RD STE C4 - 454 SCOTTSDALE, AZ 85250 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 4.84% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 1.58% |
| BRIDGEMARK INSURANCE GROUP3 | 6929 N HAYDEN RD STE C4 - 454 SCOTTSDALE, AZ 85250 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | $2K | $25K | 15.98% |
| BRIDGEMARK INSURANCE GROUP3 Filed as: BRIDGEMARK INSURANCE GROUP LLC | 8092 E VIA LINDA 110 - 130 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $29K | — | $29K | 19.81% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD STE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 5.44% |
| MICHAEL A. TOTTIS3 Filed as: MICHAEL HANNER | 21803 N SCOTTSDALE RD STE 240 SCOTTSDALE, AZ 85255 | DELTA DENTAL OF ARIZONA | $12K | — | $12K | 8.96% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 393 | $1.3M |
| Dental | DELTA DENTAL OF ARIZONA | 416 | $135K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 413 | $158K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 413 | $158K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 413 | $158K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 229 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.