| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BRELLA GROUP3 | 5822 N 13TH ST PHOENIX, AZ 85014 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.60% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.45% |
| J GARD BENEFIT CONSULTANTS LLC3 | 5040 E SHEA BLVD STE 160 SCOTTSDALE, AZ 85254 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.48% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | -$3 | -$3 | -0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NICE HEALTHCARE MANAGEMENT COMPANY EIN 82-2102152 NONE | Consulting fees; Participant communication Service code 38 | 2355 HIGHWAY 36 WEST STE 400 MINNEAPOLIS, MN 55113 | $154K |
| CREST INSURANCE GROUP EIN 85-3775914 NONE | Other insurance fees and expenses; Insurance services; Consulting fees; Participant communication Service code 23 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | $95K |
| J GARD BENEFIT CONSULTANTS N/A | Insurance agents and brokers Service code 22 | 5040 E SHEA BLVD #160 SCOTTSDALE, AZ 85254 | $32K |
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 | 279 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 580 | $231K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $282K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $282K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $282K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $282K |
| Stop-loss / reinsurancereinsurance | WELLNET HEALTHCARE | 330 | $304K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 279 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.