| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INTELLIGENCE INC3 | 4862 EAST BASELINE ROAD, SUITE 101 MESA, AZ 85206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $10K | $39K | 4.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $8K | $24K | 2.73% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $52K | $0 | $52K | 24.25% |
| BENEFIT INTELLIGENCE INC3 | 4862 EAST BASELINE ROAD, SUITE 101 MESA, AZ 85206 | UNUM INSURANCE COMPANY | $31K | $2K | $33K | 15.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM INSURANCE COMPANY | $305 | $46 | $351 | 0.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 2325 EAST CAMELBACK ROAD SUITE 600 PHOENIX, AZ 85014 | JORGENSEN HEALTHCARE ASSOCIATES INC. | $3K | — | $3K | 9.20% |
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 | 866 | 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) | 866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,713 | $96K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 866 | $871K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 866 | $871K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 866 | $871K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 905 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,713 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.