| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGG FENDLEY BENEFITS INC3 Filed as: GREGG FENDLEY BENEFITS INSURANCE | 940 NORTH SWITZER CANYON DRIVE SUITE 202 FLAGSTAFF, AZ 860014852 | STANDARD INSURANCE COMPANY | $314 | $2K | $2K | 1.65% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 6900 EAST CAMELBACK ROAD SUITE 500 SCOTTSDALE, AZ 85251 | STANDARD INSURANCE COMPANY | $256 | — | $256 | 0.21% |
| GREGG FENDLEY BENEFITS INC3 Filed as: GREGG FENDLEY BENEFITS INSURANCE | 940 NORTH SWITZER CANYON DRIVE SUITE 202 FLAGSTAFF, AZ 860014852 | STANDARD INSURANCE COMPANY | $1K | $920 | $2K | 8.33% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 6900 EAST CAMELBACK ROAD SUITE 500 SCOTTSDALE, AZ 85251 | STANDARD INSURANCE COMPANY | $771 | — | $771 | 2.90% |
| GREGG FENDLEY BENEFITS INC3 Filed as: GREGG FENDLEY BENEFITS INSURANCE | 940 NORTH SWITZER CANYON DRIVE SUITE 202 FLAGSTAFF, AZ 860014852 | STANDARD INSURANCE COMPANY | $2K | $765 | $2K | 10.54% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 6900 EAST CAMELBACK ROAD SUITE 500 SCOTTSDALE, AZ 85251 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.87% |
| GREGG FENDLEY BENEFITS INC3 Filed as: GREGG FENDLEY BENEFITS INSURANCE | 940 NORTH SWITZER CANYON DRIVE SUITE 202 FLAGSTAFF, AZ 860014852 | STANDARD INSURANCE COMPANY | $1K | $749 | $2K | 8.41% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 6900 EAST CAMELBACK ROAD SUITE 500 SCOTTSDALE, AZ 85251 | STANDARD INSURANCE COMPANY | $682 | — | $682 | 2.90% |
| GREGG FENDLEY BENEFITS INC3 Filed as: GREGG FENDLEY BENEFITS INSURANCE | 940 NORTH SWITZER CANYON DRIVE SUITE 202 FLAGSTAFF, AZ 860014852 | STANDARD INSURANCE COMPANY | $1K | $618 | $2K | 7.92% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 6900 EAST CAMELBACK ROAD SUITE 500 SCOTTSDALE, AZ 85251 | STANDARD INSURANCE COMPANY | $894 | — | $894 | 4.09% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 160 | $124K |
| Vision | STANDARD INSURANCE COMPANY | 162 | $22K |
| Life insurance | STANDARD INSURANCE COMPANY | 200 | $27K |
| Short-term disability | STANDARD INSURANCE COMPANY | 86 | $24K |
| Long-term disability | STANDARD INSURANCE COMPANY | 75 | $24K |
| Other | WORKERS ASSISTANCE PROGRAM, INC. | 183 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.