| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $0 | $8K | 0.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 5420 LBJ FREEWAY, SUITE 295 DALLAS, TX 75240 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$2K | $0 | -$2K | -0.10% |
| MJ INSURANCE3 | 3900 EAST CAMELBACK ROAD, SUITE 225 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF AMERICA | $58K | $0 | $58K | 9.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERVICES | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.37% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 12.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 16220 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $198 | $5K | 5.09% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER, INC. | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 5.07% |
| MJ INSURANCE3 | 3900 EAST CAMELBACK ROAD, SUITE 225 PHOENIX, AZ 85018 | DELTA DENTAL OF ARIZONA | $8K | $0 | $8K | 9.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 16220 NORTH SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $143 | $11K | 15.26% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER, INC. | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 5.09% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $371 | $2K | 2.20% |
| ASSUREX3 | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $309 | $309 | 0.44% |
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 | 1,417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,098 | $1.8M |
| Vision | DELTA DENTAL OF ARIZONA | 2,329 | $84K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 1,417 | $706K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 1,417 | $635K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 1,417 | $635K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 1,417 | $726K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,329 | — |
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.
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.