| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 10.38% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $683 | $0 | $683 | 0.36% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION | 199 SCOTT STREET, SUITE 800 BUFFALO, NY 14204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $341 | $341 | 0.18% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMBELBACK ROAD SUITE 250 PHOENIX, AZ 85016 | BLUE CROSS BLUE SHIELD OF ARIZONA | $19K | $0 | $19K | 10.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 11.55% |
| THE JACOBI GROUP LLC3 Filed as: THE JACOBI GROUP, LLC | PO BOX 72105 PHOENIX, AZ 85050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 7.22% |
| AUBRIE LANE3 | 11365 FENTON DRIVE BILOXI, MS 39532 | CONTINENTAL AMERICAN INSURANCE COMPANY | $837 | $0 | $837 | 1.39% |
| K CONSULTING LLC3 Filed as: K CONSULTING SOLUTIONS, LLC | 1016 10TH WAY WEST PALM BEACH, FL 33407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $440 | $0 | $440 | 0.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 0.18% |
| BRYAN G CORBIN LLC3 Filed as: BRYAN CORBIN, LLC AND OTHER AGENTS | 8612 WEST MARY ANN DRIVE PEORIA, AZ 85382 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | $0 | $105 | 0.17% |
| JASON E. ANGEL3 | 5339 WEST MOUNTAIN VIEW GLENDALE, AZ 85302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $4K | $0 | $4K | 9.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 741259 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $4K | $0 | $4K | 9.18% |
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 | 593 | $188K |
| Vision | VISION SERVICE PLAN | 224 | $42K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $189K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $189K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $189K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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.
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.