| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SUITE 225 SCOTTSDALE, AZ 85254 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $112K | $112K | 5.26% |
| LOCKTON COMPANIES, LLC3 | PO BOX 17850 DENVER, CO 80217 | DELTA DENTAL OF ARIZONA | $12K | $0 | $12K | 9.90% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $115 | $24K | 19.67% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $245 | $245 | 0.20% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 29.32% |
| DENISE JANE FORCONI3 Filed as: DENISE J. FORCONI | 30411 NORTH 72ND PLACE SCOTTSDALE, AZ 85266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 9.38% |
| REBECCA B. GARTRELL3 Filed as: REBECCA B. GARTREL AND OTHER AGENTS | 6134 WEST CORTEZ STREET GLENDALE, AZ 85304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 9.10% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA A. SCHOFIELD | 910 WEST KATHLEEN ROAD PHOENIX, AZ 85023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.26% |
| RICHARD K. FORCONI3 | 30411 NORTH 72ND PLACE SCOTTSDALE, AZ 85266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.38% |
| SHANNON L BRITTENHAM3 Filed as: SHANNON L. BRITTENHAM | 134 WEST BOWMAN DRIVE KALISPELL, MT 59901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $895 | $0 | $895 | 1.56% |
| MICHAEL J. PIETROBONO3 | 9845 NORTH CENTRAL AVENUE PHOENIX, AZ 85020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $827 | $0 | $827 | 1.44% |
| LOCKTON COMPANIES, LLC3 | PO BOX 17850 DENVER, CO 80217 | DELTA DENTAL OF ARIZONA | $2K | $0 | $2K | 8.17% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 388 | $2.1M |
| Dental | DELTA DENTAL OF ARIZONA | 206 | $123K |
| Vision | DELTA DENTAL OF ARIZONA | 234 | $30K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $122K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $122K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $122K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 388 | $2.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 280 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.