| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. | P O BOX 3009 ARLINGTON, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $48K | $48K | 4.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 729 DALLAS AVENUE SELMA, AL 36701 | PRUDENTIAL | $6K | — | $6K | 11.56% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE STE 1100 CHICAGO, IL 606036115 | PRUDENTIAL | — | $56 | $56 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF ARIZONA EIN 86-0274899 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 5656 W TALAVI BLVD GLENDALE, AZ 85306 | $8K |
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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $1.0M |
| Life insurance | PRUDENTIAL | 235 | $56K |
| Long-term disability | PRUDENTIAL | 235 | $56K |
| Other | PRUDENTIAL | 235 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.