| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | KAISER FOUNDATIONHEALTH PLAN INC | $44K | $0 | $44K | 4.67% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | KAISER FOUNDATIONHEALTH PLAN INC | $3K | $0 | $3K | 0.30% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $6K | $59K | 12.04% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 2.22% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $67 | $3K | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 741259 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.72% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD TUCSON, AZ 85710 | VISION SERVICE PLAN | $266 | — | $266 | 0.46% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM INSURANCE COMPANY | $5K | $595 | $6K | 17.91% |
| WCH CONSULTANTS LLC3 Filed as: WCH CONSULTANTS, LLC | 20118 NORTH 67 AVENUE SUITE 300-180 GLENDALE, AZ 85308 | PREPAID LEGAL SEVICES INC DBA LEGALSHIELD | $900 | $0 | $900 | 7.63% |
| KATHERINE J. POTTER3 | 20065 WEST MONROE STREET BUCKEYE, AZ 85326 | PREPAID LEGAL SEVICES INC DBA LEGALSHIELD | $317 | $0 | $317 | 2.69% |
| WAJUCO ASSOCIATES LLC3 Filed as: WAJUCO ASSOCIATES, LLC | 11899 NORTH SPEARFISH STREET SUPRICE, AZ 85388 | PREPAID LEGAL SEVICES INC DBA LEGALSHIELD | $29 | $0 | $29 | 0.25% |
| BRUCE PARRISH3 Filed as: BRUCE PARISH | PO BOX 600 CROCKER, MO 65452 | PREPAID LEGAL SEVICES INC DBA LEGALSHIELD | $28 | $0 | $28 | 0.24% |
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 | 707 | 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) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATIONHEALTH PLAN INC | 125 | $941K |
| Vision | VISION SERVICE PLAN | 510 | $58K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 963 | $486K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 963 | $486K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 963 | $486K |
| Prescription drug | KAISER FOUNDATIONHEALTH PLAN INC | 125 | $941K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 963 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 963 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.