| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $41K | $74K | 1.23% |
| EMPLOYEE BENEFITS INTER. AZ, INC.3 | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $22K | $41K | 0.68% |
| THE PARTNERS GROUP LIMITED3 | 11850 SW 67TH AVENUE, SUITE 100 PORTLAND, OR 97223 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | STANDARD INSURANCE COMPANY | $17K | $0 | $17K | 5.57% |
| EMPLOYEE BENEFITS INTER. AZ, INC.3 | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 3.53% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PXC, INC. | PO BOX 732954 DALLAS, TX 75373 | STANDARD INSURANCE COMPANY | $0 | $10K | $10K | 3.18% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.12% |
| EMPLOYEE BENEFITS INTER. AZ, INC.3 | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.21% |
| EMPLOYEE BENEFITS INTER. AZ, INC.3 | 802 JOHNNIE DODDS BOULEVARD MOUNT PLEASANT, SC 29464 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $179 | $0 | $179 | 0.33% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | 1765 EAST SKYLINE DRIVE TUCSON, AZ 85718 | LEGAL EASE | $0 | $66 | $66 | 19.88% |
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 | 714 | 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) | 714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,075 | $6.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,075 | $6.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,075 | $6.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 743 | $313K |
| Short-term disability | STANDARD INSURANCE COMPANY | 743 | $313K |
| Long-term disability | STANDARD INSURANCE COMPANY | 743 | $313K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,075 | $6.0M |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,075 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,075 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.