| 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 | $100K | $35K | $135K | 10.55% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | VISION SERVICE PLAN | $5K | — | $5K | 2.06% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: DISABLILTY INSURANCE SERIVCES, INC. | 4444 ZION AVENUE SAN DIEGO, CA 92120 | STANDARD INSURANCE COMPANY | $39K | $334 | $39K | 27.06% |
| PATRICK DAVID MOORE3 | 4913 EAST MITHCELL DRIVE PHOENIX, AZ 85018 | STANDARD INSURANCE COMPANY | $27K | $0 | $27K | 18.74% |
| JOHN HARVEY3 | 5810 EAST CALLE TUBERIA PHOENIX, AZ 85018 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.89% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | STANDARD INSURANCE COMPANY | $684 | — | $684 | 0.48% |
| DANIEL P. TOAL3 | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | STANDARD INSURANCE COMPANY | $684 | — | $684 | 0.48% |
| LOVITT AND TOUCHE, INC.3 | 11201 NORTH TATUM BOULEVARD SUITE 300 PHOENIX, AZ 85208 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $33 | $33 | 0.04% |
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 | 1,341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 12 | $311K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 12 | $311K |
| Vision | VISION SERVICE PLAN | 1,181 | $219K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,341 | $1.3M |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,341 | $1.4M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 12 | $311K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,341 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,341 | — |
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.