| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS P MCKIERNAN3 Filed as: THOMAS BEAL | 6730 N SCOTTSDALE ROAD SCOTTSDALE, AZ 85253 | CIGNA | $172K | $4K | $176K | 11.90% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA DENTAL | $26K | $706 | $26K | 10.15% |
| BEAL INSURANCE3 | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | AVESIS | $3K | — | $3K | 10.00% |
| THOMAS WILLIAM BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE LIFE | $2K | $1K | $3K | 12.92% |
| THOMAS WILLIAM BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE AD&D | $275 | $110 | $385 | 13.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE EIN 59-1031071 SERVICE PROVIDER | Direct payment from the plan; Named fiduciary; Claims processing; Other services; Participant communication; Float revenue; Non-monetary compensation; Contract Administrator Service code 12 | 3003 N 3RD STREET PHOENIX, AZ 85012 | $49K |
| CIGNA HEALTH AND LIFE 59-1031071 | Participant communication; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan; Claims processing; Float revenue; Non-monetary compensation 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 | 556 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 376 | $1.5M |
| Dental | CIGNA DENTAL | 442 | $259K |
| Vision | AVESIS | 556 | $35K |
| Life insurance | CIGNA GROUP INSURANCE LIFE | 376 | $27K |
| Other | CIGNA GROUP INSURANCE AD&D | 376 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.