| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 | 2333 W UNIVERSITY DR STE C103 TEMPE, AZ 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $0 | $31K | 15.86% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP, LLC | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.93% |
| MOLLIHAN DONALD D - 42104S3 | 400 E RIVULON BLVD UNIT 116 GILBERT, AZ 85297 | KANSAS CITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.90% |
| GUSSIO EDWARD - 111728S3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.88% |
| GBS ARIZONA INC3 | 2333 W UNIVERSITY DR STE C103 TEMPE, AZ 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $875 | $0 | $875 | 10.04% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP, LLC | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $226 | $0 | $226 | 2.59% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA INC. | 2333 W UNIVERSITY DR STE C103 TEMPE, AZ 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $639 | $0 | $639 | 9.92% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP, LLC | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $171 | $0 | $171 | 2.66% |
| GBS ARIZONA INC3 | 2333 W UNIVERSITY DR STE C103 TEMPE, AZ 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $494 | $0 | $494 | 9.87% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $132 | $0 | $132 | 2.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Float revenue; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Contract Administrator; Other services; Claims processing Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $15K |
| CIGNA | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | — | $0 |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $196K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $196K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $196K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 163 | $33K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 163 | $39K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 163 | $33K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $196K |
| Other(4 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 163 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.