| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRUNK INSURANCE GROUP3 Filed as: THE STRUNK INSURANCE GROUP, INC | 14425 N. 7TH ST., STE 102 PHOENIX, AZ 85022 | EVEREST REINSURANCE | $34K | $0 | $34K | 9.96% |
| MGU OF THE WEST INS SVCS INC3 Filed as: MGU OF THE WEST INSURANCE SERVICES | 9290 WEST STOCKTON BLVD. SUITE 104 ELK GROVE, CA 95758 | EVEREST REINSURANCE | $17K | $0 | $17K | 4.98% |
| STRUNK INSURANCE GROUP3 Filed as: THE STRUNK INSURANCE GROUP, INC | 14425 N. 7TH ST., STE 102 PHOENIX, AZ 85022 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 13.02% |
| STRUNK INSURANCE GROUP3 Filed as: THE STRUNK INSURANCE GROUP, INC | 14425 N. 7TH ST., STE 102 PHOENIX, AZ 85022 | VISION SERVICE PLAN | $717 | — | $717 | 7.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $93K |
| THE STRUNK INSURANCE GROUP, INC. EIN 86-0671340 BROKER | Other commissions Service code 55 | 14425 N 7TH ST STE 102 PHOENIX, AZ 85022 | $18K |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 40 | $9K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 83 | $30K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 83 | $30K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 83 | $30K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE | 111 | $344K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 83 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.