| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CAMELBACK ROAD, SUITE 225 PHOENIX, AZ 85018 | DELTA DENTAL OF ARIZONA | $10K | $0 | $10K | 6.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES, INC. | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | DELTA DENTAL OF ARIZONA | $6K | $0 | $6K | 4.20% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | DELTA DENTAL OF ARIZONA | $4K | $0 | $4K | 2.88% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN, INC. | UNKNOWN SUITE 100 AUSTIN, TX 78729 | DELTA DENTAL OF ARIZONA | $3K | $0 | $3K | 1.73% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON TRAIL CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $5K | $15K | 12.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES, INC. | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 5.79% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.12% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN, INC. | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.38% |
| ENROLLLEASE INC3 Filed as: ENROLLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $954 | $954 | 0.75% |
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 | 235 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 205 | $148K |
| Vision | DELTA DENTAL OF ARIZONA | 205 | $148K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $127K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $127K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $127K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.