| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PERFORMANCE INSURANCE BENEFITS3 | 20827 N. CAVE CREEK RD., SUITE 102 PHOENIX, AZ 85024 | UNITED HEALTHCARE INSURANCE COMPANY | — | $38K | $38K | 2.56% |
| PARAGON PARTNERS LTD3 | 9420 E. DOUBLETREE RANCH ROAD, SUITE C-103 SCOTTSDALE, AZ 85258 | UNITED HEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 1.13% |
| PERFORMANCE INSURANCE BENEFITS3 | 20827 N. CAVE CREEK RD., SUITE 102 PHOENIX, AZ 85024 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 9.19% |
| PERFORMANCE INSURANCE BENEFITS3 | 20827 N. CAVE CREEK RD., SUITE 102 PHOENIX, AZ 85024 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 43.28% |
| PARAGON PARTNERS LTD | 9420 E. DOUBLETREE RANCH ROAD, SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $472 | — | $472 | 9.75% |
| PERFORMANCE INSURANCE BENEFITS4 | 20827 N. CAVE CREEK RD., SUITE 102 PHOENIX, AZ 85024 | PRE-PAID LEGAL SERVICES, INC. (LEGALSHIELD) | $282 | — | $282 | 15.96% |
| RHONA S UNSELL INC4 Filed as: RHONA S. UNSELL INC. | 6525 GUNPARK DRIVE BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES, INC. (LEGALSHIELD) | $123 | — | $123 | 6.96% |
| PERFORMANCE INSURANCE BENEFITS3 | 20827 N. CAVE CREEK RD., SUITE 102 PHOENIX, AZ 85024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $150 | — | $150 | 15.00% |
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 |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 315 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $162K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $162K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $82K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $82K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $82K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 315 | $1.5M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.