| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY DOHERTY3 Filed as: TIMOTHY PATRICK DOHERTY | 52 MAYO AVE NEEDHAM, MA 02492 | KAISER PERMANENTE | $53K | — | $53K | 3.73% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE GROUP, LLC | 7430 S CREEK RD STE 300 SANDY, UT 840936160 | KAISER PERMANENTE | $4K | — | $4K | 0.31% |
| MARK REESE HUNTER3 | 1354 E GRAND CANYON DR CHANDLER, AZ 852495453 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | — | $27K | 6.64% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH STE C-103 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $4K | $20K | 5.00% |
| SUMMIT INS SERVICES LLC3 Filed as: SUMMIT INS GROUP INC | 7430 S CREEK RD STE 300 SANDY, UT 840936160 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 1.73% |
| AMERICAS TPA, INC DBA HEALTHEZ | 7201 W 78TH STREET STE 100 BLOOMINGTON, MN 55439 | AMERICA'S TPA, INC DBA HEALTHEZ | — | $61K | $61K | 23.60% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER PERMANENTE | 186 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $406K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $406K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $406K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $406K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $406K |
| Stop-loss / reinsurancereinsurance | AMERICA'S TPA, INC DBA HEALTHEZ | 52 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.