| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43K | — | $43K | 8.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 2.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVS WEST | PO BOX 730054 DALLAS, TX 75373 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 5.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC | PO BOX 730054 DALLAS, TX 75373 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$15 | — | -$15 | -0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVC WEST | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $1K | $19K | 24.85% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | PO BOX 310411 DES MOINES, IA 50331 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVC WEST | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $867 | $8K | 20.59% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | PO BOX 310411 DES MOINES, IA 50331 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF AZ | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $3K | — | $3K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | — |
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 | 1,508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,926 | $127K |
| Vision | DELTA DENTAL OF ARIZONA | 1,054 | $25K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,508 | $554K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,508 | $513K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,508 | $513K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,508 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,926 | — |
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.