| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARIZONA BENEFIT CONSULTANTS LLC3 | 6245 N 24TH PKWY STE 201 PHOENIX, AZ 85016 | PRINCIPAL LIFE INSURANCE COMPANY | $37K | $4K | $41K | 6.09% |
| GBS ARIZONA INC3 | 2333 W UNIVERSITY DR STE C-103 TEMPE, AZ 852817349 | PRINCIPAL LIFE INSURANCE COMPANY | $37K | — | $37K | 5.55% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE SCOTTSDALE, AZ 852585589 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | — | $27K | 4.00% |
| DONALD D MOLLIHAN3 Filed as: DONALD D. MOLLIHAN | 6245 NORTH 24TH PARKWAY SUITE 201 PHOENIX, AZ 85016 | SHELTERPOINT LIFE INSURANCE COMPANY | $105 | — | $105 | 16.91% |
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 | 1,411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,785 | $672K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,785 | $672K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,785 | $672K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | PRODIGY HELATH INSURANCE | 586 | $1.1M |
| Other | SHELTERPOINT LIFE INSURANCE COMPANY | 2 | $621 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,785 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.