| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILL INSURANCE SERVICES LLC3 Filed as: HILL INSURANCE SERVICES | 14350 N. 87TH STREET, SUITE 110 SCOTTSDALE, AZ 85260 | DELTA DENTAL OF CALIFORNIA | $24K | — | $24K | 4.58% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $602 | $12K | 6.81% |
| HILL INSURANCE SERVICES LLC3 Filed as: HILL INSURANCE SERVICES | 14350 N. 87TH STREET, SUITE 1100 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $3K | — | $3K | 5.00% |
| TANDEM BENEFITS3 | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.58% |
| STERN INSURANCE GROUP INC3 Filed as: STERN INSURANCE GROUP, INC. | 11445 EAST VIA LINDA, NO. 2611 SCOTTSDALE, AZ 85259 | TRANSAMERICA LIFE INSURANCE COMPANY | $350 | — | $350 | 0.56% |
| LISA M. WHITEHEAD3 | 2720 E. CAMELBACK ROAD, SUITE 275 PHOENIX, AZ 85016 | TRANSAMERICA LIFE INSURANCE COMPANY | $340 | — | $340 | 0.55% |
| BENEFITELECT INC.3 Filed as: BENEFITELECT INSURANCE SERVICES | 132 SW CROWELL WAY, SUITE 200 BEND, OR 97702 | TRANSAMERICA LIFE INSURANCE COMPANY | $316 | — | $316 | 0.51% |
| IMG3 Filed as: JERRY E. RILEY, IMG MARKETING | P.O. BOX 229 OKEMAH, OK 74859 | TRANSAMERICA LIFE INSURANCE COMPANY | $164 | — | $164 | 0.26% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E. DOUBLETREE RANCH ROAD SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $23 | — | $23 | 0.04% |
| PAUL F. DILLON3 | 7842 MOUNTAIN AVE. ORANGEVALE, CA 95662 | TRANSAMERICA LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| HILL INSURANCE SERVICES LLC3 | 14350 N. 87TH STREET, SUITE 110 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 11.94% |
| LOUIS R FAIOLA3 Filed as: LOUIS J. PANTALONE | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.08% |
| BRENT A. HILLS3 | 14350 N. 87TH STREET, SUITE 110 SCOTTSDALE, AZ 85260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $341 | — | $341 | 0.88% |
| DOUGLAS D LONERGAN3 Filed as: DOUGLAS D. LONERGAN | 61644 TAM MCARTHUR LOOP BEND, OR 97702 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.44% |
| HILL INSURANCE SERVICES LLC3 | 14350 N. 87TH STREET, SUITE 1100 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $640 | $4K | 11.77% |
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 | 448 | 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) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 409 | $517K |
| Vision | VISION SERVICE PLAN | 399 | $62K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 448 | $267K |
| Short-term disability(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 104 | $270K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 350 | $59K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 448 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.