| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 5.26% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.42% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BENEFITS BY DESIGN INC3 | 4500 SOUTH LAKESHORE DRIVE SUITE 300 TEMPE, AZ 85282 | DELTA DENTAL OF ARIZONA | $1K | — | $1K | 9.80% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | VISION SERVICE PLAN | $773 | — | $773 | 7.44% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $133 | — | $133 | 1.28% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| CREST INSURANCE GROUP LLC3 | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $447 | — | $447 | 10.00% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $690K |
| Dental | DELTA DENTAL OF ARIZONA | 34 | $13K |
| Vision | VISION SERVICE PLAN | 64 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $22K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.