| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 | 2333 W UNIVERSITY DR STE C-103 TEMPE, AZ 852817349 | PRINCIPAL LIFE INSURANCE COMPANY | $34K | $10K | $44K | 7.09% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | PO BOX 32429 PHOENIX, AZ 850642429 | PRINCIPAL LIFE INSURANCE COMPANY | $34K | $3K | $37K | 6.06% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE SCOTTSDALE, AZ 852585589 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $1K | $23K | 3.64% |
| DONALD D MOLLIHAN3 Filed as: DONALD D. MOLLIHAN | 6245 NORTH 24TH PARKWAY SUITE 201 PHOENIX, AZ 85016 | SHELTERPOINT LIFE INSURANCE COMPANY | $154 | — | $154 | 14.64% |
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 | 959 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,187 | $618K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,187 | $618K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,187 | $618K |
| Stop-loss / reinsurancereinsurance(2 contracts) | PRODIGY HEALTH INSURANCE | 515 | $1.1M |
| Other | SHELTERPOINT LIFE INSURANCE COMPANY | 3 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,187 | — |
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.