| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ, INC. | 8828 NORTH CENTRAL AVENUE, SUITE 100 PHOENIX, AZ 85020 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | $70K | $128K | 1.81% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11850 SW 67TH AVENUE, SUITE 100 PORTLAND, OR 97223 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $19 | $19 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNITEDHEALTHCARE INSURANCE COMPANY | -$8K | $0 | -$8K | -0.11% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ, INC. | 14661 NORTH 15TH AVENUE PHOENIX, AZ 85023 | STANDARD INSURANCE COMPANY | $50K | $0 | $50K | 11.14% |
| KRONOS SAASHR INC3 Filed as: KRONOS SAASHR, INC. | PO BOX 711, C5 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 1.22% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET SUITE 3400 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 1.16% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PXC, INC. | PO BOX 732954 DALLAS, TX 75373 | STANDARD INSURANCE COMPANY | $0 | -$1K | -$1K | -0.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 28852 NEW YORK, NY 10087 | LEGALPLANS, USA | — | $3K | $3K | 15.00% |
| EBI INTERNATIONAL3 | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | LEGALPLANS, USA | $0 | $3K | $3K | 15.00% |
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 | 793 | 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) | 793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,815 | $7.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,815 | $7.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,815 | $7.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 761 | $447K |
| Short-term disability | STANDARD INSURANCE COMPANY | 761 | $447K |
| Long-term disability | STANDARD INSURANCE COMPANY | 761 | $447K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,815 | $7.1M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,815 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,815 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.