| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 411 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $8K | $18K | 7.92% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 7.61% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 34.52% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E. WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 12.61% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M. GUTHRIE | 14227 N. 14TH STREET PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| STEVEN R WEINER3 Filed as: STEVEN R. WEINER | 13266 W. MULBERRY DRIVE LITCHFIELD PARK, AZ 85340 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| NATALIE MALHAM3 Filed as: NATALIE D. MALHAM | 5642 E EDGEMONT AVE SCOTTSDALE, AZ 85257 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | $0 | -$1 | -0.00% |
| JOSE A SCHIENEMAN3 Filed as: JOSE A. SCHIENEMAN | 1881 S CARRAIGE LN CHANDLER, AZ 85286 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | $0 | -$1 | -0.00% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | $0 | -$1 | -0.00% |
| REBECCA B. GARTRELL3 | 6134 W CORTEZ ST GLENDALE, AZ 85304 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2 | $0 | -$2 | -0.01% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY M. BOEHLER | 14301 N. 87TH STREET SCOTTSDALE, AZ 85260 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2 | $0 | -$2 | -0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MATRIX GROUP BENEFITS, LLC EIN 01-0544915 NONE | Insurance services; Other services Service code 23 | 190 US ROUTE ONE PMB 365 FALMOUTH, ME 04105 | $389K |
| PRINCIPAL LIFE INSURANCE COMPANY EIN 42-0127290 NONE | Insurance services; Other services Service code 23 | 711 HIGH STREET DES MOINES, IA 50392 | $225K |
| 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 |
| NICE HEALTHCARE MANAGEMENT COMPANY EIN 82-2102152 NONE | Participant communication; Consulting fees Service code 38 | 2355 HIGHWAY 36 WEST STE 400 MINNEAPOLIS, MN 55113 | $125K |
| LUCENT HEALTH EIN 39-1997579 NONE | Other services; Claims processing; Consulting fees; Plan Administrator; Recordkeeping fees; Other fees Service code 12 | 424 CHURCH STREET STE 2300 NASHVILLE, TN 37219 | $85K |
| AFLAC GROUP EIN 57-0514130 NONE | Insurance agents and brokers; Insurance services Service code 22 | 16841 N. 31ST AVE PHOENIX, AZ 85053 | $60K |
| CIGNA EIN 82-4991898 NONE | Other commissions; Other fees Service code 55 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $56K |
| NARUS HEALTH CARE EIN 47-1929604 NONE | Participant communication; Other services Service code 38 | 424 CHURCH STREET STE 2300 NASHVILLE, TN 37219 | $16K |
| CURALINC LLC EIN 33-1206383 NONE | Participant communication; Other services Service code 38 | 314 W SUPERIOR STREET CHICAGO, IL 60654 | $5K |
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 | 352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 554 | $225K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 554 | $225K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 554 | $225K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 554 | $225K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 149 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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 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.