| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $70K | $82K | 4.49% |
| PARAGON PARTNERS LTD3 | 9420 EAST DOUBLETREE RANCH ROAD SUITE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 1.61% |
| BERWICK INSURANCE GROUP LLC3 | 4576 EAST CAMP LOWELL DRIVE TUCSON, AZ 85712 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $47 | $47 | 0.00% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP, LLC | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 13.46% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 8.90% |
| PARAGON PARTNERS LTD3 | 9420 EAST DOUBLETREE RANCH ROAD SUITE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.67% |
| JAMES A BERWICK3 | 6148 EAST COYOTES DEN PLACE TUCSON, AZ 85750 | TRANSAMERICA | $3K | — | $3K | 4.80% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCE RD SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA | $2K | — | $2K | 4.51% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | TRANSAMERICA | $2K | — | $2K | 3.55% |
| T ALLEN HOWDESHELL3 Filed as: ALLEN JAMES FINANCIAL LLC | 4576 E. CAMP LOWELL DRIVE TUCSON, AZ 85712 | TRANSAMERICA | $1K | — | $1K | 2.41% |
| BERWICK INSURANCE GROUP LLC3 | 4576 EAST CAMP LOWELL DRIVE TUSCON, AZ 85712 | TRANSAMERICA | $1K | — | $1K | 2.37% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 16.76% |
| PARAGON PARTNERS LTD3 | 9420 EAST DOUBLETREE RANCH ROAD SUITE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $531 | — | $531 | 1.78% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 454 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $103K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 260 | $30K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $107K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $107K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $107K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.