| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE Filed as: MJ INSURANCE INC | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | BLUE CROSS BLUE SHIELD OF ARIZONA | $165K | $0 | $165K | 5.01% |
| CINDY H STELLHORN | PO BOX 50435 INDIANAPOLIS, IN 46250 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $15K | — | $15K | 3.02% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $4K | $16K | 20.63% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 20.19% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | — | AULTCARE INSURANCE COMPANY | $15K | $0 | $15K | 38.18% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 20.10% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $500 | $4K | 17.34% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.16% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $997 | $360 | $1K | 20.41% |
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 | 511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 332 | $3.8M |
| Dental | AULTCARE INSURANCE COMPANY | 11 | $38K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 332 | $3.3M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 463 | $113K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 39 | $21K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $62K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 332 | $3.3M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 463 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.