| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1480 NORTH SCOTTSDALE ROAD, SUITE 2 SCOTTSDALE, AZ 85254 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $138K | $138K | 4.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $0 | $30K | 12.26% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.84% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 14.30% |
| DENISE JANE FORCONI3 Filed as: DENISE J. FORCONI | 30411 NORTH 72ND PLACE SCOTTSDALE, AZ 85266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 4.85% |
| CLAUDIA L FELDMAN3 Filed as: CLAUDIA L. FELDMAN | 9037 EAST CASITAS DEL RIO DRIVE SCOTTSDALE, AZ 85255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.76% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: LORI RIGGS BISHOP AND OTHER AGENTS | 44800 KALIFORN SKY BEACH ROAD SOLDOTNA, AK 99669 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.31% |
| MELISSA A SCHOFIELD Filed as: MELISSA A. SCHOFIELD | 910 WEST KATHLE DRIVE PHOENIX, AZ 85023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.21% |
| RICHARD K. FORCONI3 | 30411 NORTH 72ND PLACE SCOTTSDALE, AZ 85266 | CONTINENTAL AMERICAN INSURANCE COMPANY | $525 | $0 | $525 | 0.57% |
| MICHAEL J. PIETROBONO3 | 9845 NORTH CENTRAL AVENUE PHOENIX, AZ 85020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $484 | $0 | $484 | 0.53% |
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 | 521 | 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) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 489 | $2.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 489 | $2.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 489 | $2.8M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 521 | $247K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 521 | $247K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 521 | $247K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 489 | $2.8M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 521 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.