| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINCLINE LLC3 | 2720 E CAMELBACK RD STE 275 PHOENIX, AZ 85016 | BLUE CROSS BLUE SHIELD OF ARIZONA | $59K | — | $59K | 27.52% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES INC/MAHONEY GROUP | 1835 S EXTENSION ROAD ACCOUNTING MESA, AZ 85210 | BLUE CROSS BLUE SHIELD OF ARIZONA | $18K | — | $18K | 8.39% |
| WINCLINE LLC3 | 2720 E CAMELBACK RD STE 275 PHOENIX, AZ 85016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 6.44% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.48% |
| WINCLINE LLC3 Filed as: WINCLINE, LLC | 2720 E CAMELBACK RD STE 275 PHOENIX, AZ 85016 | DELTA DENTAL OF ARIZONA | $7K | — | $7K | 8.84% |
| THE MAHONEY GROUP3 Filed as: MAHONEY GROUP | 1835 S EXTENSION RD MESA, AZ 85210 | DELTA DENTAL OF ARIZONA | $2K | — | $2K | 2.38% |
| WINCLINE LLC3 Filed as: WINCLINE, LLC | 2720 E. CAMELBACK RD #275 PHOENIX, AZ 85016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 6.87% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES/THE MAHONEY GRP | 1835 S EXTENSION RD MESA, AZ 85210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 3.13% |
| WINCLINE LLC3 Filed as: WINCLINE, LLC | 2720 E. CAMELBACK RD #275 PHOENIX, AZ 85016 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $1K | — | $1K | 6.89% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES/THE MAHONEY GRP | 1835 EXTENSION RD MESA, AZ 85210 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $504 | — | $504 | 3.11% |
| WINCLINE LLC3 Filed as: WINCLINE, LLC | 2720 E. CAMELBACK RD #275 PHOENIX, AZ 85016 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $2 | — | $2 | 6.06% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES/THE MAHONEY GRP | 1835 S EXTENSION RD MESA, AZ 85210 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $1 | — | $1 | 3.03% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 336 | $215K |
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF ARIZONA | 230 | $133K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 190 | $40K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $170K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $170K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $170K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 336 | $215K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 336 | $215K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.