| 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. | $76K | $0 | $76K | 5.40% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $6K | $60K | 12.06% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 2.21% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SUITE 225 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57 | $0 | $57 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8605 EAST RAINTREE DRIVE, SUITE 200 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.19% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM INSURANCE COMPANY | $9K | $1K | $10K | 16.75% |
| WILLIAM HARREL4 | 20118 NORTH 67 AVENUE SUITE 300-180 GLENDALE, AZ 85308 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $463 | $0 | $463 | 5.53% |
| KATHERINE J. POTTER4 | 20065 WEST MONROE STREET BUCKEYE, AZ 85326 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $289 | $0 | $289 | 3.45% |
| BRUCE PARRISH4 | PO BOX 600 CROCKER, MO 65452 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.31% |
| WAJUCO ASSOCIATES LLC4 Filed as: WAJUCO ASSOCIATES, LLC | 11899 NORTH SPEARFISH STREET SURPRISE, AZ 85388 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.31% |
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 | 1,028 | 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) | 1,028 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 255 | $1.4M |
| Vision | VISION SERVICE PLAN | 635 | $69K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $498K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $498K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $498K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 255 | $1.4M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,028 | $581K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,028 | — |
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."
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.