| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 462500418 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 7.72% |
| JOHN HARVEY3 | 3219 EAST CAMELBACK ROAD SUITE 538 PHOENIX, AZ 850182307 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 2.89% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 850182654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 9.56% |
| JOHN HARVEY3 Filed as: JOHN STEPHEN HARVEY | 3219 EAST CAMELBACK ROAD SUITE 538 PHOENIX, AZ 850182307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.23% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 9225 PRIORITY WAY WEST DRIVE SUITE 100 INDIANAPOLIS, IN 46240 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.62% |
| HARVEY DEFOREST, LLC3 | 3219 EAST CAMELBACK ROAD SUITE 538 PHOENIX, AZ 85018 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.40% |
| JOHN HARVEY3 Filed as: JOHN HARVEY - BOR | 2720 CAMELBACK ROAD SUITE 275 PHOENIX, AZ 85016 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $724 | — | $724 | 1.67% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 850182654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 12.30% |
| JOHN HARVEY3 Filed as: JOHN STEPHEN HARVEY | 3219 EAST CAMELBACK ROAD SUITE 538 PHOENIX, AZ 850182307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.59% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 850182654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.10% |
| JOHN HARVEY3 Filed as: JOHN STEPEHEN HARVEY | 3219 EAST CAMELBACK ROAD SUITE 538 PHOENIX, AZ 850182307 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.79% |
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 | 482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 903 | $306K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 668 | $43K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 903 | $367K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 903 | $414K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 903 | $306K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 903 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 903 | — |
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.