| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARIZONA BENEFIT CONSULTANTS LLC3 | PO BOX 32429 PHOENIX, AZ 85064 | UNITED HEALTHCARE INSURANCE COMPANY | $48K | — | $48K | 4.50% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.87% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | PO BOX 32429 PHOENIX, AZ 85064 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 7.83% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $991 | $6K | 4.85% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND CALLOWAY INSURANCE GROUP | 4070 E CLUBVIEW DR GILBERT, AZ 85298 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 27.37% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $714 | — | $714 | 5.78% |
| M3 TECHNOLOGY LLC3 | 90 MATAWAN ROAD SUITE 100 MATAWAN, NJ 07747 | TRANSAMERICA LIFE INSURANCE COMPANY | $469 | — | $469 | 3.79% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 205 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $115K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $115K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 295 | $115K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 0 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.