| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 3900 EAST CAMELBACK ROAD, SUITE 225 PHOENIX, AZ 85018 | BLUECROSS BLUESHIELD OF ARIZONA | $58K | $0 | $58K | 5.01% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $9K | $26K | 21.90% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26555 EVERGREEN ROAD, SUITE 1600 SOUTHFIELD, MI 48076 | AMERITAS LIFE INSURANCE CORP. | $8K | $0 | $8K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 NORTH TRYON STREET, SUITE 2500 CHARLOTTE, NC 28202 | AMERITAS LIFE INSURANCE CORP. | $0 | $2K | $2K | 2.25% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 12.53% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $35 | $2K | 10.27% |
| MJ INSURANCE3 | 3900 EAST CAMELBACK ROAD, SUITE 225 PHOENIX, AZ 85018 | EMPLOYERS DENTAL SERVICES | $248 | — | $248 | 7.71% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ARIZONA | 147 | $1.1M |
| Dental(3 contracts, 3 carriers) | AMERITAS LIFE INSURANCE CORP. | 891 | $106K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $118K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $118K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $118K |
| Prescription drug | BLUECROSS BLUESHIELD OF ARIZONA | 147 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 891 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.