| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE LLC | 14300 N NORTHSIGHT BLVD # 221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE | $57K | $0 | $57K | 5.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85206 | CIGNA HEALTH AND LIFE INSURANCE | $34K | $0 | $34K | 3.36% |
| ANGELONE & ASSOCIATES, INC.3 Filed as: ANGELONE & ASSOCIATES INC. | 14300 N NORTHSIGHT BLVD # 221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE | $0 | $8K | $8K | 0.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE | $692 | — | $692 | 0.07% |
| ANGELON AND ASSOCIATES INC.3 | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE | — | $273 | $273 | 0.03% |
| LYNN A HOOKER3 | 8039 W VIA MONTOYA DR PEORIA, AZ 85383 | SENTRY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.10% |
| LYNN A HOOKER3 | 8039 W VIA MONTOYA DR PEORIA, AZ 85383 | SENTRY LIFE INSURANCE COMPANY | $416 | — | $416 | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ADMINISTRATIVE SERVICES | Non-monetary compensation; Claims processing; Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Named fiduciary; Other services Service code 12 | — | $311K |
| CIGNA | Direct payment from the plan; Float revenue; Non-monetary compensation; Claims processing; Other services; Contract Administrator; Participant communication; Named fiduciary Service code 12 | — | $0 |
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 | 360 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE | 360 | $999K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE | 360 | $999K |
| Life insurance(2 contracts) | SENTRY LIFE INSURANCE COMPANY | 198 | $63K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE | 360 | $999K |
| Other | CIGNA HEALTH AND LIFE INSURANCE | 360 | $999K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.