| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAGNUSON & ASSOCIATES LTD3 | 4337 5TH STREET TUCSON, AZ 85711 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $127K | $127K | 5.01% |
| MAGNUSON & ASSOCIATES LTD3 Filed as: MAGNUSON & ASSOCIATES | 4337 3 5TH ST. TUCSON, AZ 85711 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 10.00% |
| MAGNUSON & ASSOCIATES LTD3 | 4337 E. 5TH ST. TUCSON, AZ 85711 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 9.44% |
| MAGNUSON & ASSOCIATES LTD3 | 4337 E 5TH. STREET TUCSON, AZ 85711 | EYEMED VISION CARE | $3K | — | $3K | 8.23% |
| MAGNUSON & ASSOCIATES LTD3 Filed as: MAGNUSON AND ASSOCIATES | 4337 E. 5TH. STREET TUCSON, AZ 85711 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.01% |
| MAGNUSON & ASSOCIATES LTD3 Filed as: MAGNUSON AND ASSOCIATES | 4337 E 5TH ST TUCSON, AZ 85711 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.99% |
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 | 319 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 319 | $2.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $249K |
| Vision | EYEMED VISION CARE | 516 | $41K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 383 | $180K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 383 | $173K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 383 | $174K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 383 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.