| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $67K | $0 | $67K | 5.03% |
| 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 | $32K | $5K | $36K | 17.31% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM INSURANCE COMPANY | $18K | $3K | $21K | 17.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | UNUM INSURANCE COMPANY | $757 | $32 | $789 | 0.65% |
| WORKPLACE CONSULTING, LLC4 | 15043 WEST COLUMBINE DRIVE SURPRISE, AZ 85379 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | — | $3K | 14.34% |
| MARK J. UDY V4 | 546 NORTH JACKSON AVENUE OGDON, UT 84404 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $81 | — | $81 | 0.41% |
| BLANCA M. CASTRILLO4 | 411 NORTH AVENIDA FELICIDAD TUCSON, AZ 85745 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $32 | $0 | $32 | 0.16% |
| TOOLCHEX, INC.4 | 274 NORTH 700 EAST NORTH SALT LAKE, UT 84054 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | $0 | $23 | 0.12% |
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 | 547 | 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) | 547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 973 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 973 | $1.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 719 | $211K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 719 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 973 | — |
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.