| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF AZ | 16220 N SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | BLUE CROSS BLUE SHIELD OF ARIZONA | $111K | — | $111K | 28.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 16220 N SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | UNION SECURITY INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 13.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | 16220 N SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | UNITED DENTAL CARE OF ARIZONA, INC. | $3K | — | $3K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF AZ | 11201 N TATUM BLVD STE 300 PHOENIX, AZ 85028 | AVESIS INSURANCE INCORPORATED | $472 | — | $472 | 10.00% |
| THE ABACUS GROUP LLC3 Filed as: THE ABACUS GRP LLC | 2541 LAFAYETTE PLAZA DR ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $170 | — | $170 | 12.01% |
| JAMES BARRETT3 | 1200 E TAFT AVE SAPULPA, OK 74066 | UNION SECURITY INSURANCE COMPANY | $99 | — | $99 | 6.99% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC | 1 RIVERFRONT PLAZA WESTBROOK, ME 04092 | UNION SECURITY INSURANCE COMPANY | — | $61 | $61 | 4.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | UNION SECURITY INSURANCE COMPANY | $42 | — | $42 | 2.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY INC | MELLON BANK CENTER 1735 MARKET ST PHILADELPHIA, PA 19103 | UNION SECURITY INSURANCE COMPANY | — | $21 | $21 | 1.48% |
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 | 519 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 345 | $385K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 163 | $168K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 345 | $390K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 495 | $79K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 495 | $80K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 345 | $385K |
| Other | UNION SECURITY INSURANCE COMPANY | 495 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.