| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUE CROSS AND BLUE SHEILD OF ARIZONA | $53K | — | $53K | 18.08% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE | 1050 WEST WASHINGTON ST SUITE 223 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 15.34% |
| EXCALIBUR FINANCIAL GROUP3 | 4830 WEST KENNEDY BLVD SUITE 550 TAMPA, FL 33609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MECLENNAN AGENCY | PO BOX 741259 LOS ANGELES, CA 90074 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 9.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF ARIZONA EIN 86-0274899 BENEFITS ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 14850 SCOTTSDALE RD SCOTTSDALE, AZ 85254 | $12K |
| MARSH & MCLENNAN INSURANCE AGENCY AGENT/AGENCY | Insurance agents and brokers Service code 22 | 9171 TOWNE CENTRE DR #100 SAN DIEGO, CA 92112 | $0 |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHEILD OF ARIZONA | 241 | $295K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 271 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $131K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $131K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $131K |
| Prescription drug | BLUE CROSS AND BLUE SHEILD OF ARIZONA | 241 | $295K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHEILD OF ARIZONA | 241 | $295K |
| Other(3 contracts, 3 carriers) | MHN SERVICES LLC | 187 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.