| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT MALL3 | 2111 EAST HIGHLAND AVE SUITE B210 PHOENIX, AZ 85016 | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 5.33% |
| RBN & ASSOCIATES, INC.3 Filed as: RBN & ASSOC. INC | 303 E WACKER DR STE 1130 CHICAGO, IL 60601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.45% |
| THE HUNKEN AGENCY, INC.3 Filed as: THE HUNKEN AGENCY INC | 2550 COMPASS RD GLENVIEW, IL 60026 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS INC | 7272 E. INDIAN SCHOOL RD SCOTTSDALE, AZ 85251 | THE LINCOLN LIFE INSURANCE COMPANY | $5K | $3K | $9K | 25.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS INC | 7272 E INDIAN SCHOOL RD SCOTTSDALE, AZ 85251 | THE LINCOLN LIFE INSUANCE COMPANY | $4K | $3K | $7K | 25.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS INC | 7272 E INDIAN SCHOOL RD SCOTTSDALE, AZ 85251 | THE LINCOLN INSURANCE COMPANY | $4K | $3K | $6K | 25.48% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | 89 | $237K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $71K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $71K |
| Life insurance | THE LINCOLN LIFE INSURANCE COMPANY | 107 | $33K |
| Short-term disability | THE LINCOLN INSURANCE COMPANY | 107 | $25K |
| Long-term disability | THE LINCOLN LIFE INSUANCE COMPANY | 107 | $26K |
| Prescription drug | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | 89 | $237K |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE & ACCIDENT INSURANCE COMPANY | 89 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.