| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP, LLC | 5285 W WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS STE 4500 TUCSON, AZ 85711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 8.95% |
| REBECCA B. GARTRELL3 Filed as: REBECCA B GARTRELL | 6134 W CORTEZ ST GLENDALE, AZ 85304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $399 | $0 | $399 | 2.30% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY M BOEHLER | 14301 N 87TH STREET SCOTTSDALE, AZ 85260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $317 | $0 | $317 | 1.83% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | $0 | $192 | 1.11% |
| NATALIE MALHAM3 Filed as: NATALIE D MALHAM | 5642 E EDGEMONT AVE SCOTTSDALE, AZ 85257 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | $0 | $187 | 1.08% |
| STEVEN R WEINER3 | 13266 WEST MULBERRY DRIVE LITCHFIELD, AZ 85340 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | $0 | $147 | 0.85% |
| FLIPE COELHO3 Filed as: FLIPE A COELHO | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $106 | $0 | $106 | 0.61% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.13% |
| ROBERT ALLEN3 | 10752 W ROWEL RD PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.04% |
| JEANETTE Y DURRANI3 | 11 S CENTRAL AVE APT2115 PHOENIX, AZ 85004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.03% |
| TIMOTHY KNEIDEL3 Filed as: TIMOTHY W KNEIDEL | 28631 N 45TH WAY CAVE CREEK, AZ 85331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE FINANCIAL EIN 38-1082080 NONE | Other services; Insurance services Service code 23 | ONE SUN LIFE EXECUTIVE PARK WELLESLEY HILLS, MA 02481 | $488K |
| RMTS, LLC EIN 20-1049240 NONE | Other services; Insurance services Service code 23 | 101 HUDSEN STREET JERSEY CITY, NJ 07302 | $426K |
| CREST INSURANCE GROUP EIN 85-3775914 NONE | Participant communication; Consulting fees; Insurance services; Other insurance fees and expenses Service code 23 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | $126K |
| LUCENT HEALTH EIN 39-1997579 NONE | Recordkeeping fees; Other fees; Consulting fees; Other services; Plan Administrator; Claims processing Service code 12 | 424 CHURCH STREET STE 2300 NASHVILLE, TN 37219 | $78K |
| CIGNA EIN 82-4991898 NONE | Other commissions; Other fees Service code 55 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $58K |
| AFLAC EIN 57-0514130 NONE | Insurance services; Insurance agents and brokers Service code 22 | 16841 N. 31ST AVE PHOENIX, AZ 85053 | $23K |
| NARUS HEALTHCARE EIN 47-1929604 NONE | Participant communication; Other services Service code 38 | 424 CHURCH STREET STE 2300 NASHVILLE, TN 37219 | $17K |
| TELEDOC HEALTH INC EIN 04-3705970 NONE | Consulting fees; Participant communication Service code 38 | 2 MANHATTAN ROAD PURCHASE, NY 10577 | $7K |
| CURALINK HEALTHCARE EIN 33-1206383 NONE | Other services; Participant communication Service code 38 | 314 W SUPERIOR STREET CHICAGO, IL 60654 | $6K |
| BENEFIT RESOURCES EIN 16-1428488 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | 245 KENNETH DRIVE ROCHESTER, NY 14623 | $4K |
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 | 426 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 550 | $475K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 550 | $475K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 550 | $475K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 550 | $475K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 550 | $475K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 550 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.