| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD SUITE 250 PHOENIX, AZ 85016 | BLUE CROSS BLUE SHIELD OF ARIZONA | $3K | $0 | $3K | 1.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 8.44% |
| EMPLOYEE BENEFITS INTERNATIONAL3 Filed as: EMPLOYEE BENEFITS INTL, INC. | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 1.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $989 | $989 | 0.44% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $4K | $0 | $4K | 9.21% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL ARIZONA, INC | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | VISION SERVICE PLAN | $656 | $0 | $656 | 1.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8605 EAST RAINTREE DRIVE, SUITE 200 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | -$3K | $0 | -$3K | -8.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 16.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.41% |
| THE JACOBI GROUP LLC3 Filed as: THE JACOBI GROUP, LLC | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.74% |
| AUBRIE MICHELLE LANE3 | 6018 WEST POTTER DRIVE GLENDALE, AZ 85308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | $0 | $118 | 0.31% |
| JASON ELIJAH ANGEL3 Filed as: JASON ELIJAH ANGEL AND OTHER AGENTS | 5339 WEST MOUNTAIN VIEW ROAD GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 0.12% |
| BRYAN G CORBIN LLC3 Filed as: BRYAN G. CORBIN, LLC | 5885 MEADOWS ROAD LAKE OSWEGO, OR 97035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.11% |
| LANCE D THORSON3 Filed as: LANCE D. THORSON | 1721 12TH AVENUE NE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $252 | $0 | $252 | 6.98% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 530 | $248K |
| Vision | VISION SERVICE PLAN | 224 | $39K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $223K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $223K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $223K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.