| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINCLINE LLC3 Filed as: WINCLINE, LLC | 2720 EAST CAMELBACK ROAD, SUITE 275 PHOENIX, AZ 85016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $45K | $0 | $45K | 8.44% |
| WINCLINE LLC3 Filed as: WINCLINE, LLC | 2720 EAST CAMELBACK ROAD, SUITE 275 PHOENIX, AZ 85016 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.58% |
| DISABILITY INSURANCE SVCS INC3 Filed as: DISABILITY INSURANCE SERVICES, INC. | 4444 ZION AVENUE SAN DIEGO, CA 92120 | STANDARD INSURANCE COMPANY | $9K | $2K | $10K | 27.20% |
| JOHN HARVEY3 | 5810 EAST CALLE TUBERIA PHOENIX, AZ 85018 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 13.84% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | STANDARD INSURANCE COMPANY | $993 | $0 | $993 | 2.64% |
| DANIEL P. TOAL3 | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | STANDARD INSURANCE COMPANY | $993 | $0 | $993 | 2.64% |
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 | 719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 717 | $242K |
| Dental(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 14 | $226K |
| Vision(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 646 | $316K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 719 | $532K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 719 | $570K |
| Prescription drug(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 717 | $242K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 719 | $532K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.