| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES INC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 850121979 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $25K | $46K | 3.21% |
| USI INSURANCE SERVICES LLC3 | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 850163491 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $8K | $10K | 0.72% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT COMMERCE GRP, AN ALERA GRP | 16220 N SCOTTSDALE RD SUITE 100 SCOTTSDALE, AZ 852541781 | UNITEDHEALTHCARE INSURANCE COMPANY | $248 | $0 | $248 | 0.02% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 852585589 | UNITEDHEALTHCARE INSURANCE COMPANY | -$14 | $0 | -$14 | -0.00% |
| BENEFITS DEPARTMENT INC THE3 | 2339 N CAREFREE CIR FLAGSTAFF, AZ 860047522 | UNITEDHEALTHCARE INSURANCE COMPANY | -$15 | -$158 | -$173 | -0.01% |
| DOUGLAS R GRAY | 2339 N. CAREFREE CIRCLE FLAGSTAFF, AZ 86004 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.96% |
| USI INSURANCE SERVICES LLC | 3850 N CAUSEWAY BLVD SUITE 1050 METAIRIE, LA 70002 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.39% |
| ROBERT STICKLE | 9713 W KERRY LN PEORIA, AZ 85382 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.11% |
| PARAGON PARTNERS LTD Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.87% |
| USA BROKER RESOURCES, INC. | 3773 HOWARD HUGHES PKWY SUITE 500S LAS VEGAS, NV 891696014 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.36% |
| MICHAEL C WALKER Filed as: MICHAEL AUDITORE | — | ASSURITY LIFE INSURANCE COMPANY | $12K | $0 | $12K | 22.58% |
| THE BIA GROUP LLC | — | ASSURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.40% |
| Z.RAE INSURANCE GROUP Filed as: Z RAE INSURANCE GROUP | — | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.97% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 429 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 429 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 429 | $1.4M |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 87 | $77K |
| Short-term disability | ASSURITY LIFE INSURANCE COMPANY | 301 | $54K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 301 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.