| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS, LTD | 9420 E DOUBLETREE RANCH RD #C103 SCOTTSDALE, AZ 85258 | DELTA DENTAL OF ARIZONA | $5K | $0 | $5K | 5.03% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTERNATIONAL, IN | 8828 N CENTRAL AVE STE 100 STE 200 PHOENIX, AZ 85020 | HARTFORD LIFE AND ACCIDENT | $10K | $500 | $10K | 11.32% |
| EMPLOYEE BENEFITS INTERNATIONAL3 Filed as: EMPLOYEE BENEFITS INTERNATIONAL INC | 8828 N CENTRAL AVE #100 PHOENIX, AZ 85020 | DELTA DENTAL OF ARIZONA | $1K | $0 | $1K | 10.11% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS, LTD | 9420 E DOUBLETREE RANCH RD #C103 SCOTTSDALE, AZ 85258 | DELTA DENTAL OF ARIZONA | $617 | $0 | $617 | 5.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $178K |
| EMPLOYEE BENEFITS INTERNATIONAL EIN 46-2527299 BROKER | Insurance agents and brokers Service code 22 | — | $69K |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 277 | $101K |
| Vision | DELTA DENTAL OF ARIZONA | 206 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 123 | $92K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 123 | $92K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 123 | $92K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 108 | $458K |
| Other | HARTFORD LIFE AND ACCIDENT | 123 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.