| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEINER INSURANCE, INC.5 | 13951 N. SCOTTSDALE ROAD SUITE 122 SCOTTSDALE, AZ 85254 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $125K | $125K | 2.54% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | — | $45K | 1.58% |
| WEINER INSURANCE, INC.3 | 13951 N. SCOTTSDALE RD STE 122 SCOTTSDALE, AZ 852543454 | VISION SERVICE PLAN | $8K | — | $8K | 0.62% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER, INC. | PO BOX 28 DUBUQUE, IA 540040028 | VISION SERVICE PLAN | $5K | — | $5K | 0.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $722K |
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $590K |
| ALLEGIANCE CARE MANAGEMENT, INC. EIN 03-0507057 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $51K |
| WEINER INSURANCE EIN 86-0534179 NONE | Insurance agents and brokers Service code 22 | 13951 N. SCOTTSDALE RD SUITE 122 SCOTTSDALE, AZ 85254 | $38K |
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 | 2,544 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,633 | $1.5M |
| Vision | VISION SERVICE PLAN | 8,967 | $1.3M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,093 | $4.9M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,093 | $4.9M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,093 | $4.9M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11,459 | $2.8M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,093 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,093 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.