| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CSA GENERAL INS AGENCY INC3 Filed as: CSA GENERAL INS AGENCY | P O BOX 81019 PHOENIX, AZ 85069 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.83% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY | 333 W 34TH ST NEW YORK, NY 10001 | SYMETRA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA | Participant communication; Float revenue; Other commissions; Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $135.3M |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 ADMIN SERVICES | Named fiduciary; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Participant communication Service code 12 | 701 NORTH 44TH STREET PHOENIX, AZ 85008 | $879K |
| BENESYS, INC EIN 38-2383171 NONE | Contract Administrator Service code 13 | 7180 KOLL CENTER PARKWAY SUITE 200 PLEASANTON, CA 94566 | $657K |
| MERRIL LYNCH EIN 13-3180817 NONE | Investment advisory (plan) Service code 27 | 2555 E CAMELBACK RD SUITE 900 PHOENIX, AZ 80516 | $216K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general) Service code 16 | 1230 W WASHINGTON ST SUITE 501 TEMPE, AZ 85281 | $130K |
| DELTA DENTAL EIN 86-0274899 NONE | Claims processing Service code 12 | PO BOX 61595 PHOENIX, AZ 85004 | $88K |
| JENNINGS, STROUSS & SALMON EIN 86-0108229 NONE | Legal Service code 29 | 201 EAST WASHINGTON STREET 11TH FLOOR PHOENIX, AZ 85004 | $74K |
| DPN USA, LLC HEALTHFAIR PLUS NONE | Other services Service code 49 | 1030 SPRING CILLAS POINT SUITE 3000 WINTER SPRINGS, FL 32708 | $63K |
| WARD KEENAN AND BARRETT EIN 86-0274260 NONE | Legal Service code 29 | 2141 EAST CAMELBACK ROAD SUITE 100 PHOENIX, AZ 85016 | $62K |
| BALDWIN & BALDWIN PLLC EIN 46-4370753 NONE | Accounting (including auditing) Service code 10 | 701 NORTH 44TH STREET PHOENIX, AZ 85008 | $49K |
| MCMORGAN AND COMPANY EIN 94-1650768 NONE | Investment management Service code 28 | ONE FRONT STRET SUITE 500 SAN FRANCISCO, CA 94111 | $45K |
| GRANDFLOW, INC EIN 94-3211239 NONE | Copying and duplicating Service code 36 | — | $31K |
| WELLS FARGO BANK EIN 41-1592157 NONE | Custodial (securities) Service code 19 | 100 W WASHINGTON ST 22ND FLOOR PHOENIX, AZ 85003 | $21K |
| VERUS ADVISORS, INC EIN 91-1320111 NONE | Investment management Service code 28 | 2321 ROSECRANS AVENUE SUITE 2250 EL SEGUDO, CA 90245 | $16K |
| CHUBB EIN 13-1963496 NONE | Insurance services Service code 23 | 2800 N CENTRAL AVE SUITE 1600 PHOENIX, AZ 85004 | $15K |
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 | 1,655 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMPLOYER DENTAL SERVICES | 200 | $20K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,046 | $122K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,580 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,580 | — |
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.