| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS OF ILLINOIS3 Filed as: GIS BENEIFTS | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $0 | $20K | 5.20% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 49.11% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 19.49% |
| REBECCA B. GARTRELL3 Filed as: REBECCA B GARTRELL | 6134 W CORTEZ ST GLENDALE, AZ 85304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | 0.20% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY M BOEHLER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | $0 | $73 | 0.20% |
| JOSE A SCHIENEMAN3 | 1881 S. CARRIAGE LANE CHANDLER, AZ 85286 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.11% |
| NATALIE MALHAM3 Filed as: NATALIE D MALHAM | 5642 E EDGEMONT AVE. SCOTTSDALE, AZ 85257 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.11% |
| STEVEN R WEINER3 | 13266 WEST MULBERRY DRIVE LITCHFIELD PARK, AZ 85340 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.07% |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DRIVE STE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.07% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHERIE | 14227 N 14TH STREET PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| JEANETTE Y DURRANI3 | 11 S CENTRAL AVE APT 2115 PHOENIX, AZ 85004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ROBERT ALLEN3 | 5300 OAKBROOK PARKWAY SUITE 300 NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7202 E ROSEWOOD #200 TUCSON, AZ 85719 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$4 | $0 | -$4 | -0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY EIN 42-0127290 NONE | Other services; Insurance services Service code 23 | 711 HIGH STREET DES MOINES, IA 50392 | $375K |
| MATRIX GROUP BENEFITS, LLC EIN 01-0544915 NONE | Other services; Insurance services Service code 23 | 190 US ROUTE ONE PMB 365 FALMOUTH, ME 04105 | $356K |
| NICE HEALTHCARE MANAGEMENT COMPANY EIN 82-2102152 NONE | Consulting fees; Participant communication Service code 38 | 2355 HIGHWAY 36 WEST SUITE 400 MINNEAPOLIS, MN 55113 | $136K |
| CREST INSURANCE GROUP EIN 85-3775914 NONE | Participant communication; Other insurance fees and expenses; Consulting fees; Insurance services Service code 23 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | $126K |
| LUCENT HEALTH EIN 39-1997579 NONE | Recordkeeping fees; Other fees; Plan Administrator; Other services; Consulting fees; Claims processing Service code 12 | 424 CHURCH STREET SUITE 2300 NASHVILLE, TN 37219 | $79K |
| AFLAC EIN 57-0514130 NONE | Insurance services; Insurance agents and brokers Service code 22 | 16841 N 31ST AVE PHOENIX, AZ 85053 | $55K |
| CIGNA EIN 82-4991898 NONE | Other fees; Other commissions Service code 55 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $53K |
| SUN LIFE ASSURANCE COMPANY EIN 38-1082080 NONE | Other services; Insurance services Service code 23 | ONE SUN LIFE EXECUTIVE PARK WELLESLEY, MA 02481 | $22K |
| NARUS HEALTH CARE EIN 47-1929604 NONE | Participant communication; Other services Service code 38 | 424 CHURCH STREET STE 2300 NASHVILLE, TN 37219 | $15K |
| CURALINC LLC EIN 33-1206383 NONE | Participant communication; Other services Service code 38 | 314 W SUPERIOR STREET CHICAGO, IL 60654 | $5K |
| BENEFIT RESOURCES INC EIN 16-1428488 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 15 | 245 KENNETH DRIIVE ROCHESTER, NY 14623 | $3K |
| RTMS, LLC EIN 20-1049240 NONE | Insurance services; Other services Service code 23 | 101 HUDSEN STREET JERSEY CITY, NJ 07302 | $172 |
| TELEDOC, INC. EIN 04-3705970 NONE | Consulting fees; Participant communication Service code 38 | 2 MANHATTAN ROAD PURCHASE, NY 10577 | $4 |
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 | 388 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 543 | $375K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 543 | $375K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 543 | $375K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 543 | $375K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 543 | $375K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 149 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.