| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 4544 E CAMP LOWELL DRIVE TUCSON, AZ 85712 | AETNA LIFE INSURANCE CO. | — | $199K | $199K | 3.66% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21031 | AETNA LIFE INSURANCE CO. | — | $27K | $27K | 0.49% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $128K | $31K | $158K | 22.18% |
| SRA INSURANCE AGENCY LLC3 | 4435 MAIN STREET, FLOOR 4 KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 1.32% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 4544 E CAMP LOWELL DRIVE TUCSON, AZ 85712 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $16 | $7K | 0.98% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.38% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2355 CRENSHAW BLVD., SUITE 300 TORRANCE, CA 90501 | METROPOLITAN LIFE INSURANCE COMPANY | $417 | — | $417 | 0.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 4544 E CAMP LOWELL DRIVE TUCSON, AZ 85712 | AETNA HEALTH, INC. | — | -$1K | -$1K | -6.81% |
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 | 810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 679 | $5.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 770 | $714K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 770 | $714K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 770 | $714K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 770 | $714K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 770 | $714K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 770 | $714K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.