| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS P MCKIERNAN3 Filed as: THOMAS W. BEAL | 6730 N SCOTTSDALE RD SUITE 285 SCOTTSDALE, AZ 85251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $56K | $563 | $57K | 36.79% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS W. BEAL | 6730 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE | $4K | $430 | $4K | 16.75% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS W BEAL | 6730 N SCOTTSDALE ROAD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE | $3K | $1K | $5K | 21.84% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS W BEAL | 6730 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85251 | AVESIS | $1K | — | $1K | 10.00% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS W BEAL | 6730 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE | $2K | $2K | $3K | 26.93% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS W. BEAL | 6730 N SCOTTSDALE ROAD SUITE 285 SCOTTSDALE, AZ 85253 | CIGNA GROUP INSURANCE | $467 | $52 | $519 | 16.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATOR | Direct payment from the plan; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Other services Service code 12 | 280 TRUMBULL ST F18 HARTFORD, CT 06103 | $35K |
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 | 368 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 451 | $154K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 451 | $154K |
| Vision | AVESIS | 127 | $13K |
| Life insurance | CIGNA GROUP INSURANCE | 344 | $25K |
| Long-term disability | CIGNA GROUP INSURANCE | 22 | $13K |
| Other | CIGNA GROUP INSURANCE | 33 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.