| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACW GROUP, LLC3 | 1000 BISHOP STREET, SUITE 600 HONOLULU, HI 96813 | UNIVERSITY HEALTH ALLIANCE | $11K | — | $11K | 3.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCATION INC. | 3800 N. CENTRAL AVE FL 9 PHOENIX, AZ 85012 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 5.06% |
| JAMES LOWE3 | 4640 PINE VALLEY DR. FRISCO, TX 75034 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 4.00% |
| RYAN EDWARD HOOPER3 Filed as: RYAN J. SCOTT | 2034 E. MARQUETTE DR. GILBERT, AZ 85234 | VISION SERVICE PLAN | $831 | — | $831 | 2.39% |
| JAMES LOWE3 Filed as: JAMES RUSSELL LOWE | 1800 PRESTON PARK BLVD. STE. 103 PLANO, TX 75093 | VISION SERVICE PLAN | $686 | — | $686 | 1.97% |
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 | 621 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERSITY HEALTH ALLIANCE | 54 | $346K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,513 | $260K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 127 | $381K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,513 | $260K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 54 | $346K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,513 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,513 | — |
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.