| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $61K | $25K | $86K | 10.86% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.24% |
| DISABLILITY INSURANCE SERVICES, INC3 | 4444 ZION AVENUE SAN DIEGO, CA 92120 | STANDARD INSURANCE COMPANY | $14K | $2K | $15K | 15.89% |
| PATRICK DAVID MOORE3 | 4913 EAST MITCHELL DRIVE PHOENIX, AZ 85018 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 9.32% |
| JOHN HARVEY3 | 5810 EAST CALLE TUBERIA PHOENIX, AZ 85018 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | STANDARD INSURANCE COMPANY | $896 | $0 | $896 | 0.93% |
| DANIEL P. TOAL3 | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | STANDARD INSURANCE COMPANY | $896 | $0 | $896 | 0.93% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $66 | $66 | 0.10% |
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 | 1,038 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,053 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 10 | $239K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 10 | $239K |
| Vision | VISION SERVICE PLAN | 929 | $144K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,038 | $791K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,038 | $888K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 10 | $239K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,038 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,038 | — |
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.