| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| APRIL L FARRELL3 Filed as: APRIL L. FARRELL | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $5K | $600 | $6K | 5.97% |
| MJ INSURANCE3 Filed as: DENISE FORCONI AND VARIOUS AGENTS | 5065 EAST MAZATZAL DRIVE CAVE CREEK, AZ 85331 | AFLAC | $4K | $223 | $4K | 4.00% |
| GEORGE PADRON3 | 11 SOUTH CENTRAL AVENUE APARTMENT 2115 PHOENIZ, AZ 85004 | AFLAC | $1K | $135 | $1K | 1.48% |
| DANIEL SALDIVAR JR3 Filed as: DANIEL SALDIVAR JR. | 221 LANDMARK COVE CIBOLO, TX 78108 | AFLAC | $843 | $61 | $904 | 0.95% |
| MICHAEL W. POWER3 | 1423 CANYON BRK SAN ANTONIO, TX 78248 | AFLAC | $785 | $106 | $891 | 0.93% |
| FILIPE A COELHO3 Filed as: FILIPE A. COEHLO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $537 | $140 | $677 | 0.71% |
| PATRICIA J GEE3 Filed as: PATRICIA J. GEE | PO BOX 2334 MESA, AZ 85214 | AFLAC | $517 | $0 | $517 | 0.54% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CARMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $4K | $12K | 14.36% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | PO BOX 3430 CARMEL, IN 46082 | UNITEDHEALTHCARE INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | PO BOX 3430 CARMEL, IN 46082 | HARTFORD LIFE AND ACCIDENT | $5K | $156 | $6K | 12.35% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 13.76% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | PO BOX 3430 CARMEL, IN 46082 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 9.94% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $82K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 195 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 154 | $45K |
| Short-term disability | AFLAC | 82 | $95K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 41 | $23K |
| Other | HARTFORD LIFE AND ACCIDENT | 154 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.