| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS P MCKIERNAN3 Filed as: THOMAS BEAL | 6730 N SCOTTSDALE ROAD SCOTTSDALE, AZ 85253 | CIGNA | $153K | $4K | $157K | 10.15% |
| ACRISURE LLC3 | 6730 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85253 | CIGNA | $50K | — | $50K | 3.23% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA DENTAL | $20K | — | $20K | 7.46% |
| ACRISURE LLC3 | 6730 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85253 | CIGNA DENTAL | $6K | — | $6K | 2.43% |
| BEAL INSURANCE3 | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | AVESIS | $4K | — | $4K | 9.98% |
| ACRISURE LLC Filed as: ACRISURE LLC DBA BEAL INSURANCE | 6730 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE LIFE | $3K | $1K | $4K | 14.78% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BEAL INSURANCE | 6730 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE AD&D | $296 | $143 | $439 | 14.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE EIN 59-1031071 SERVICE PROVIDER | Contract Administrator; Claims processing; Named fiduciary; Participant communication; Other services; Direct payment from the plan Service code 12 | 3003 N 3RD ST PHOENIX, AZ 85012 | $163K |
| CIGNA HEALTH AND LIFE 59-1031071 | Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator; Non-monetary compensation; Other services; Participant communication; Float revenue 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 | 566 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 413 | $1.5M |
| Dental | CIGNA DENTAL | 425 | $262K |
| Vision | AVESIS | 566 | $35K |
| Life insurance | CIGNA GROUP INSURANCE LIFE | 369 | $29K |
| Other | CIGNA GROUP INSURANCE AD&D | 369 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.