| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $252K | — | $252K | 7.40% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 752012739 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $67K | $67K | 1.98% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 753123042 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $23K | $23K | 0.68% |
| JEFFREY GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | BLUE CROSS AND BLUE SHIELD OF ARIZONA | $65K | — | $65K | 4.99% |
| THE FARMINGTON COMPANY3 | 30 WATERSIDE DRIVE P.O. BOX 527 FARMINGTON, CT 06034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.14% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $253 | $2K | 1.25% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD., SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.76% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.76% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $782 | $97 | $879 | 0.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | P.O. BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $827 | — | $827 | 0.50% |
| KELLY, WILLIAM, ANTHONY3 | 3100 WEST END AVENUE, SUITE 905 NASHVILLE, TN 37203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $397 | — | $397 | 0.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | P.O. BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $213 | — | $213 | 0.13% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8112 MARYLAND AVENUE, SUITE 400 CLAYTON, MO 63105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.05% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | $17K | $17K | 15.00% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $17K | — | $17K | 15.00% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| VIDAL & RODRIGUEZ3 Filed as: VIDAL & RODRIGUEZ, INC. | CAPITAL CENTER BUILDING, SUITE 501 AVE. ARTERIAL HOSTOS #239 SAN JUAN, PR 009181475 | MCS LIFE INSURANCE COMPANY | $4K | — | $4K | 5.94% |
| KELLY, WILLIAM, ANTHONY3 | 3100 WEST END AVENUE, SUITE 905 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.29% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD., SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.18% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.18% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $899 | $15 | $914 | 1.82% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8112 MARYLAND AVENUE, SUITE 400 CLAYTON, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $527 | — | $527 | 1.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - CHICAGO | P.O. BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $418 | — | $418 | 0.83% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $386 | $6 | $392 | 0.78% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $3 | — | $3 | 2.78% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD., SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $3 | — | $3 | 2.78% |
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 | 5,356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 676 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,032 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 116 | $1.5M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 500 | $334K |
| Vision(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA (EYEMED VISION CARE) | 8,670 | $643K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,393 | $3.6M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 831 | $166K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,393 | $3.4M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ARIZONA | 116 | $1.3M |
| Other(8 contracts, 8 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,393 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,670 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.