| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIELS NICOLSON INS AGENCY INC3 | 4411 NORTH 19TH AVENUE PHOENIX, AZ 85015 | HUMANA HEALTH PLAN, INC. | $64K | — | $64K | 5.00% |
| PARAGON PARTNERS LTD3 | 9420 EAST DOUBLETREE RANCH SUITE C103 SCOTTSDALE, AZ 85258 | HUMANA HEALTH PLAN, INC. | — | $2K | $2K | 0.15% |
| ROBERT J KADZIELAWSKI3 | 4411 NORTH 19TH AVENUE PHOENIX, AZ 85015 | TRANSAMERICA LIFE INSURANCE COMPANY | $23K | — | $23K | 11.34% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 EAST DOUBLETREE RANCH ROAD SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 4.10% |
| DANIELS NICOLSON INS AGENCY INC3 | 4411 NORTH 19TH AVENUE PHOENIX, AZ 85015 | HUMANA INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| DANIELS NICOLSON INS AGENCY INC3 | 4411 NORTH 19TH AVENUE PHOENIX, AZ 85015 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| DANIELS NICOLSON INS AGENCY INC3 | 4411 NORTH 19TH AVENUE PHOENIX, AZ 85015 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 11.07% |
| DANIELS NICOLSON INS AGENCY INC3 | 4411 NORTH 19TH AVENUE PHOENIX, AZ 85015 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 8.87% |
| DANIELS NICOLSON INS AGENCY INC3 | 4411 NORTH 19TH AVENUE PHOENIX, AZ 85015 | HUMANA INSURANCE COMPANY | $330 | — | $330 | 14.97% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 126 | $1.3M |
| Dental(2 contracts) | HUMANA INSURANCE COMPANY | 126 | $184K |
| Vision | HUMANA INSURANCE COMPANY | 125 | $18K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 279 | $228K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 279 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.