| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS P MCKIERNAN3 Filed as: THOMAS BEAL | 6730 N SCOTTSDALE ROAD SCOTTSDALE, AZ 85253 | CIGNA | $188K | $6K | $195K | 10.94% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA DENTAL | $27K | — | $27K | 9.88% |
| BEAL INSURANCE3 | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | AVESIS | $4K | — | $4K | 9.98% |
| THOMAS WILLIAM BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE LIFE | $3K | $2K | $4K | 16.09% |
| THOMAS WILLIAM BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE AD&D | $275 | $167 | $442 | 16.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE EIN 59-1031071 SERVICE PROVIDER | Participant communication; Named fiduciary; Float revenue; Claims processing; Contract Administrator; Direct payment from the plan; Other services; Non-monetary compensation Service code 12 | 3003 N 3RD STREET PHOENIX, AZ 85012 | $59K |
| CIGNA HEALTH AND LIFE 59-1031071 | Participant communication; Named fiduciary; Direct payment from the plan; Other services; Non-monetary compensation; Float revenue; Claims processing; Contract Administrator 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 | 608 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 405 | $1.8M |
| Dental | CIGNA DENTAL | 434 | $269K |
| Vision | AVESIS | 608 | $37K |
| Life insurance | CIGNA GROUP INSURANCE LIFE | 375 | $27K |
| Other | CIGNA GROUP INSURANCE AD&D | 375 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 608 | — |
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.