| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | STE 400 571 MONON BLVD. CARMEL, IN 46032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $176K | $38K | $213K | 6.61% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF ARIZONA | 2800 N. CENTRAL AVE. STE. 1100 PHOENIX, AZ 85004 | DELTA DENTAL OF ARIZONA | $35K | — | $35K | 4.97% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | SUITE 400 571 MONON BLVD. CARMEL, IN 46032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37K | $4K | $41K | 16.94% |
| ASSUREX GLOBAL CORPORATION3 | 6620 MOONEY ST STE 360 DUBLIN, OH 43017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 1.44% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | SUITE 400 571 MONON BLVD. CARMEL, IN 46032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $19K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SVCS. W. | 16220 N. SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $5K | $7K | 5.15% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 571 MONON BLVD. SUITE 400 CARMEL, IN 46032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $803 | $148 | $951 | 0.68% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | SUITE 400 571 MONON BLVD. CARMEL, IN 46032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $5K | $27K | 20.38% |
| ASSUREX GLOBAL CORPORATION3 | 6620 MOONEY ST STE 360 DUBLIN, OH 43017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 2.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS. W. | 16220 N. SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | $1K | $8K | 7.45% |
| HAYS COMPANIES, INC.3 | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF ARIZONA | $10K | — | $10K | 10.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SVCS. W. | 16220 N. SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $660 | $2K | 5.46% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON BLVD STE 400 CARMEL, IN 46032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $615 | $160 | $775 | 1.99% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 571 MONON BLVD STE 400 CARMEL, IN 46032 | FIRST UNUM LIFE INSURANCE COMPANY | $108 | $9 | $117 | 16.27% |
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 | 1,068 | 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) | 1,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEPRO | 973 | $42K |
| Dental | DELTA DENTAL OF ARIZONA | 1,690 | $711K |
| Vision | DELTA DENTAL OF ARIZONA | 1,261 | $90K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,999 | $3.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $165K |
| Long-term disability(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,999 | $3.9M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,999 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,999 | — |
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.