| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $61K | $73K | 4.70% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNITEDHEALTHCARE INSURANCE COMPANY | $829 | $0 | $829 | 0.05% |
| CHRISTOPHER E FISCHER3 Filed as: CHRISTOPHER E. FISCHER | 35035 NORTH VALLEY PARKWAY APARTMENT 132A PHOENIX, AZ 85086 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 22.51% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 687 EAST BROADWAY SCOTTSDALE, AZ 85254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 6.62% |
| JASON E. ANGEL3 | 5339 WEST MOUNTAIN VIEW ROAD GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 5.60% |
| ROBERT ELI WHITNEY3 Filed as: ROBERT D. ALLEN | 111632 WEST TENAZA DRIVE PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.51% |
| ERNEST GREEN3 Filed as: ERNEST R. GREEN | 6401 EAST SWEETWATER SCOTTSDALE, AZ 85254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.51% |
| ROSEMARY CURTIS | 21041 NORTH 61ST DRIVE GLENDALE, AZ 85308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.51% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY A. KLLEINMAN | 33202 NORTH 46TH WAY CAVE CREEK, AZ 85331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.51% |
| CHRISTOPHER E FISCHER3 Filed as: CHRISTOPHER E. FISCHER | 35035 NORTH VALLEY PARKWAY APARTMENT 132A PHOENIX, AZ 85086 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 15.47% |
| JASON E. ANGEL3 | 3022 WEST GRAN PARADISO DRIVE PHOENIX, AZ 85086 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 2.09% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 3015 NORTH SCOTTSDALE ROAD SUITE 1210 SCOTTSDALE, AZ 85251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $307 | $0 | $307 | 0.59% |
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 | 356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 291 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 291 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 291 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 346 | $1.6M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 346 | $52K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 346 | $52K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 291 | $1.6M |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.