| 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 FOUNDATION HEALTH PLAN, INC. | $63K | $0 | $63K | 4.56% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $6K | $60K | 12.18% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $11K | 2.19% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SUITE 225 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 741259 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.35% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM INSURANCE COMPANY | $7K | $1K | $8K | 17.23% |
| WILLIAM HARREL3 | 20118 NORTH 67 AVENUE SUITE 300-180 GLENDALE, AZ 85308 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $771 | $0 | $771 | 7.08% |
| KATHERINE J. POTTER4 | 20065 WEST MONROE STREET BUCKEYE, AZ 85326 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $342 | $0 | $342 | 3.14% |
| WAJUCO ASSOCIATES LLC4 | 11899 NORTH SPEARFISH STREET SURPRISE, AZ 85388 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | $0 | $31 | 0.28% |
| BRUCE PARRISH4 | PO BOX 600 CROCKER, MO 65452 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $30 | $0 | $30 | 0.28% |
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 | 754 | 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) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 233 | $1.4M |
| Vision | VISION SERVICE PLAN | 593 | $60K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 399 | $490K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 399 | $490K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 399 | $490K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 233 | $1.4M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 766 | $561K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.