| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMEROY & ASSOCIATES LLC | 3134 NORTH SEVENTH STREET SUITE 1 PHOENIX, AZ 85014 | NATIONWIDE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| POMEROY & ASSOCIATES LLC3 | 3134 N 7TH ST PHOENIX, AZ 85014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| POMEROY & ASSOCIATES LLC3 | 3134 N 7TH ST PHOENIX, AZ 85014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| POMEROY & ASSOCIATES LLC3 | 3134 N 7TH ST PHOENIX, AZ 85014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| POMEROY & ASSOCIATES LLC3 | 3134 N 7TH ST PHOENIX, AZ 85014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| POMEROY & ASSOCIATES LLC | 3134 N 7TH ST PHOENIX, AZ 85014 | STARMOUNT LIFE INSURANCE COMPANY | $923 | — | $923 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPROCK HEALTH PLANS EIN 26-1569907 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | 4401 82ND STREET SUITE 1200 LUBBOCK, TX 79424 | $46K |
| CIGNA THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | PO BOX 182223 CHATTANOOGA, TN 37422 | $40K |
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 | 580 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 166 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 330 | $12K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 330 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 330 | $14K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 580 | $359K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 330 | $28K |
| 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."
No prospect flags tripped on this filing.