| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | $47K | $0 | $47K | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | $33K | $0 | $33K | 2.13% |
| ANGELONE & ASSOCIATES, INC.3 Filed as: ANGELONE AND ASSOCIATES, INC. | 7633 EAST ACOMA DRIVE, SUITE 100 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | $0 | $12K | $12K | 0.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $20K | 8.45% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $17K | 6.91% |
| WORKPLACE CONSULTING, LLC4 | 15043 WEST COLUMBINE DRIVE SURPRISE, AZ 85379 | PRE-PAID SERVICES, INC. DBA LEGALSHIELD | $5K | $0 | $5K | 30.72% |
| SPECTRUM SOLUTIONS INC4 Filed as: SPECTRUM SOLUTIONS, INC. | 213 GOVERNORS WALK KATHLEEN, GA 31047 | PRE-PAID SERVICES, INC. DBA LEGALSHIELD | $92 | $0 | $92 | 0.56% |
| TOOLCHEX, INC.4 | 274 NORTH 700 EAST NORTH SALT LAKE, UT 84054 | PRE-PAID SERVICES, INC. DBA LEGALSHIELD | $47 | $0 | $47 | 0.29% |
| BLANCA M. CASTRILLO4 | PO BOX 86414 TUCSON, AZ 85754 | PRE-PAID SERVICES, INC. DBA LEGALSHIELD | $32 | $0 | $32 | 0.20% |
| MARK J. UDY4 | 1783 WEST 4650 SOUTH, APARTMENT N ROY, UT 84067 | PRE-PAID SERVICES, INC. DBA LEGALSHIELD | $30 | $0 | $30 | 0.18% |
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 | 722 | 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) | 722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | 998 | $1.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFLIATES | 998 | $1.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 653 | $240K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 653 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 998 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.