| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $2K | $11K | 9.95% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 2.95% |
| APRIL L FARRELL3 Filed as: APRIL L. FARRELL | 4600 EAST WASHINGTON STREET SUITE 310 PHOENIX, AZ 85034 | AFLAC | $6K | $0 | $6K | 6.07% |
| MJ INSURANCE3 Filed as: DENIS J. FORCONI AND VARIOUS AGENTS | 5065 EAST MAZATZAL DRIVE CAVE CREEK, AZ 85331 | AFLAC | $3K | $0 | $3K | 3.04% |
| GEORGE PADRON3 | 11 SOUTH CENTRAL AVENUE APARTMENT 2115 PHOENIX, AZ 85004 | AFLAC | $1K | $0 | $1K | 1.16% |
| DANIEL SALDIVAR JR3 Filed as: DANIEL SALDIVAR, JR. | 221 LANDMARK COVE CIBOLO, TX 78108 | AFLAC | $675 | $0 | $675 | 0.74% |
| FILIPE A COELHO3 Filed as: FILIPE A. COELHO | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | AFLAC | $608 | $0 | $608 | 0.67% |
| MICHAEL W. POWER3 | 1423 CANYON BROOK SAN ANTONIO, TX 78248 | AFLAC | $585 | $0 | $585 | 0.64% |
| PATRICA J. GEE3 | PO BOX 2334 MESA, AZ 85214 | AFLAC | $517 | $0 | $517 | 0.57% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 12.00% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 10.72% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $114K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 212 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 100 | $51K |
| Short-term disability | AFLAC | 70 | $91K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $114K |
| Other | HARTFORD LIFE AND ACCIDENT | 100 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.