| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS P MCKIERNAN3 Filed as: THOMAS BEAL | 6730 N SCOTTSDALE ROAD SCOTTSDALE, AZ 85253 | CIGNA | $206K | $4K | $210K | 13.44% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA DENTAL | $26K | — | $26K | 9.89% |
| BEAL INSURANCE3 | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | AVESIS | $3K | — | $3K | 10.04% |
| THOMAS WILLIAM BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE LIFE | $2K | $908 | $3K | 13.99% |
| THOMAS WILLIAM BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE AD&D | $235 | $94 | $329 | 14.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE EIN 59-1031071 SERVICE PROVIDER | Float revenue; Claims processing; Contract Administrator; Other services; Non-monetary compensation; Participant communication; Named fiduciary; Direct payment from the plan Service code 12 | 3003 N 3RD STREET PHOENIX, AZ 85012 | $70K |
| CIGNA HEALTH AND LIFE 59-1031071 | Contract Administrator; Float revenue; Direct payment from the plan; Non-monetary compensation; Other services; Named fiduciary; Claims processing; Participant communication 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 | 582 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 404 | $1.6M |
| Dental | CIGNA DENTAL | 412 | $258K |
| Vision | AVESIS | 582 | $34K |
| Life insurance | CIGNA GROUP INSURANCE LIFE | 374 | $23K |
| Other | CIGNA GROUP INSURANCE AD&D | 374 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.