| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 8777 N GAINEY CENTER DR SUITE 100 SCOTTSDALE, AZ 85258 | HARTFORD LIFE AND ACCIDENT | — | $985 | $985 | 0.99% |
| JOHNSON RESORUCES3 | 10801 E HAPPPY VALLEY RD, UNIT 8 SCOTTSDALE, AZ 96366 | EYEMED | — | $531 | $531 | 1.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 8777 N GAINEY CENTER DR SUITE 100 SCOTTSDALE, AZ 85258 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 12.43% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $792 | — | $792 | 7.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 8777 N GAINEY CENTER DR SUITE 100 SCOTTSDALE, AZ 85258 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 12.15% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $757 | — | $757 | 7.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 8777 N GAINEY CENTER DR SUITE 100 SCOTTSDALE, AZ 85258 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $893 | — | $893 | 12.53% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $532 | — | $532 | 7.46% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $900K |
| Dental | DELTA DENTAL OF ARIZONA | 460 | $154K |
| Vision | EYEMED | 444 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 252 | $99K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 252 | $99K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 252 | $99K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $900K |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 578 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.