| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SUITE 225 SCOTTSDALE, AZ 85254 | UNITEDHEALTHCARE INSURANCE COMPANY | $69K | $0 | $69K | 0.86% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL. AZ, INC. | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | $0 | $44K | 0.54% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL. AZ, INC. | 14661 NORTH 15TH AVENUE PHOENIX, AZ 85023 | STANDARD INSURANCE COMPANY | $22K | $0 | $22K | 6.32% |
| LOCKTON COMPANIES, LLC3 | 410 SOUTH RAMPART BOULEVARD SUITE 390 LAS VEGAS, NV 89145 | STANDARD INSURANCE COMPANY | $18K | $0 | $18K | 5.18% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | LEGALPLANS, USA | $2K | $0 | $2K | 8.64% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL. AZ, INC. | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | LEGALPLANS, USA | $1K | $0 | $1K | 6.36% |
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 | 853 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,581 | $8.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,581 | $8.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,581 | $8.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 810 | $344K |
| Short-term disability | STANDARD INSURANCE COMPANY | 810 | $344K |
| Long-term disability | STANDARD INSURANCE COMPANY | 810 | $344K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,581 | $8.0M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,581 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,581 | — |
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.