| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2375 EAST CAMELBACK ROAD SUITE 250 PHOENIX, AZ 85016 | UNITEDHEALTHCARE INSURANCE COMPANY | -$6K | $238K | $232K | 3.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1305 WEST 23RD STREET LOCK BOX 53559 PHOENIX, AZ 85072 | AETNA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 4.14% |
| KENYATTA T. TURNER4 | P.O. BOX 36812 PHOENIX, AZ 85067 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $4K | $0 | $4K | 18.30% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INSURANCE SERVICES, LLC | 2375 EAST CAMELBACK ROAD PHOENIX, AZ 85016 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $2K | $0 | $2K | 7.88% |
| SUCCESS STRATEGIES, INC.3 Filed as: SUCCESS STRATEGIES INC | 20280 NORTH 59TH AVENUE SUITE 115446 GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $1K | $0 | $1K | 5.71% |
| LYNN R LIONHOOD4 | 10935 BARBS WAY ORLAND PARK, IL 60467 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $58 | $0 | $58 | 0.29% |
| DONNA B. SPARACO4 | 1341 WEST CORAL REEF DRIVE GILBERT, AZ 85233 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $16 | $0 | $16 | 0.08% |
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 | 1,956 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 142 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,099 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,321 | $6.9M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,956 | $303K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,956 | $303K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,956 | $303K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,956 | $303K |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,321 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,321 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.