| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 3900 EAST CAMELBACK ROAD, SUITE 225 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $36K | $43K | 5.90% |
| APRIL L FARRELL3 Filed as: APRIL L. FARRELL | 4600 EAST WASHINGTON, SUITE 310 PHOENIX, AZ 85034 | AFLAC | $2K | $0 | $2K | 6.62% |
| MJ INSURANCE3 Filed as: M. JEAN HEMP AND VARIOUS AGENTS | PO BOX 41292 MESA, AZ 85274 | AFLAC | $905 | $0 | $905 | 2.95% |
| GEORGE PADRON3 | 11 SOUTH CENTRAL AVENUE APARTMENT 2115 PHOENIX, AZ 85004 | AFLAC | $353 | $0 | $353 | 1.15% |
| DENISE JANE FORCONI3 | 5065 EAST MAZATZAL DRIVE CAVE CREEK, AZ 85331 | AFLAC | $286 | $0 | $286 | 0.93% |
| MICHAEL BACKHOFF3 | 906 BRADFORD AVENUE NASHVILLE, TN 37204 | AFLAC | $233 | $0 | $233 | 0.76% |
| MARVIN LEE WILKERSON3 | 844 HOLLY TREE GAP ROAD BRENTWOOD, TN 37027 | AFLAC | $151 | $0 | $151 | 0.49% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $148 | $0 | $148 | 0.48% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| IMG5 | 2960 MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $25 | $25 | 0.19% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $731K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $731K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $731K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 122 | $13K |
| Other(2 contracts, 2 carriers) | AFLAC | 122 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
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.