| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | — | $54K | 5.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 5.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 4.00% |
| BKA BENEFITS4 | 6717 W. WAHALLA LANE GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES, INC. | $12K | — | $12K | 13.44% |
| DAVID M. WHITE4 | 4139 N. 49TH PLACE PHOENIX, AZ 85018 | PRE-PAID LEGAL SERVICES, INC. | $802 | — | $802 | 0.91% |
| MICHAEL W. SCHECHTER4 | 158 FOUR BROOK ROAD STAMFORD, CT 06903 | PRE-PAID LEGAL SERVICES, INC. | $62 | — | $62 | 0.07% |
| GEORGE & PAULLA ENTERPRISES LLC4 | 97 EAST 2000 S BOUTIFUL, UT 84010 | PRE-PAID LEGAL SERVICES, INC. | $40 | — | $40 | 0.05% |
| LARRY SMITH ENTERPRISES INC.4 Filed as: LARRY SMITH ENTERPRISES | 20280 N. 59TH AVE., SUITE 115-446 GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES, INC. | $21 | — | $21 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1850 N. CENTRAL AVENUE, SUITE 1700 PHOENIX, AZ 85004 | HARTFORD LIFE AND ACCIDENT | — | $69 | $69 | 0.45% |
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 | 1,942 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,954 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15 | $241K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 15 | $241K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,942 | $1.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,942 | $516K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,942 | $534K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,942 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.