| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRUNK INSURANCE GROUP3 | 14425 N 7TH STREET, SUITE 102 PHOENIX, AL 85022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $80K | $0 | $80K | 15.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | PO BOX 730054 DALLAS, TX 75373 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $7K | $13K | 2.60% |
| STRUNK INSURANCE GROUP3 | 14425 N 7TH STREET, SUITE 102 PHOENIX, AZ 85022 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $838 | $2K | $2K | 15.40% |
| STRUNK INSURANCE GROUP3 | 14425 N 7TH STREET, SUITE 102 PHOENIX, AL 85022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 9.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $689 | $1K | $2K | 14.96% |
| STRUNK INSURANCE GROUP3 | 14425 N 7TH STREET, SUITE 102 PHOENIX, AZ 85022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 13.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $472 | $984 | $1K | 16.57% |
| STRUNK INSURANCE GROUP3 | 14425 N 7TH STREET, SUITE 102 PHOENIX, AZ 85022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 13.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $88 | $175 | $263 | 16.93% |
| STRUNK INSURANCE GROUP3 | 14425 N 7TH STREET, SUITE 102 PHOENIX, AZ 85022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $221 | $0 | $221 | 14.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3 | $26 | $29 | 49.15% |
| STRUNK INSURANCE GROUP3 | 14425 N 7TH STREET, SUITE 102 PHOENIX, AZ 85022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14 | $0 | $14 | 23.73% |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 313 | $506K |
| Vision | VISION SERVICE PLAN | 222 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 410 | $15K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $13K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 410 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.