| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | BLUE CROSS BLUE SHIELD OF ARIZONA | $37K | — | $37K | 5.01% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 462500418 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 4.15% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $653 | — | $653 | 12.91% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 850182654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $737 | — | $737 | 15.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 850182654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $635 | — | $635 | 15.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $529 | — | $529 | 13.22% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 850182654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $589 | — | $589 | 14.99% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 850182654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $567 | — | $567 | 15.01% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $482 | — | $482 | 15.01% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $447 | — | $447 | 15.01% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 850182654 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $438 | — | $438 | 14.98% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $433 | — | $433 | 15.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $110 | — | $110 | 14.95% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 9225 PRIORITY WAY WEST DRIVE SUITE 100 INDIANAPOLIS, IN 46240 | UNITED DENTAL CARE OF ARIZONA, INC. | $48 | — | $48 | 9.92% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23 | — | $23 | 14.94% |
No Schedule C service providers reported on this filing.
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 103 | $747K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 189 | $67K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 189 | $814K |
| Life insurance(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $17K |
| Short-term disability(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 13 | $14K |
| Long-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 15 | $8K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 103 | $747K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.