| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CLEAR GROUP LLC3 Filed as: THE CLEAR GROUP | 4835 EAST CACTUS ROAD, SUITE 425 SCOTTSDALE, AZ 85254 | DELTA DENTAL OF ARIZONA | $71K | $0 | $71K | 2.00% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BOULEVARD, SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $239K | $45K | $284K | 8.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $70K | $70K | 2.10% |
| CHRISTOPHER P. SCHERZER3 | 4835 EAST CACTUS, SUITE 425 SCOTTSDALE, AZ 85254 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $12K | $38K | 14.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARIZONA, INC. | 255 EAST SHELDON STREET, SUITE A PHOENIX, AZ 86301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $0 | $15K | 5.62% |
| NATIONAL BENEFITS PARTNER LLC3 Filed as: NATIONAL BENEFITS PARTNER, LLC | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF ARIZONA, INC. | 255 EAST SHELDON STREET, SUITE A PHOENIX, AZ 86301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $202 | $0 | $202 | 0.33% |
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 | 4,739 | 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) | 4,739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 4,240 | $3.5M |
| Vision | VISION SERVICE PLAN | 3,922 | $766K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,739 | $3.4M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 240 | $265K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,739 | $3.3M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 13,225 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,225 | — |
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.