| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: M J INSURANCE INC - AZ | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 850182614 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $26K | $26K | 5.46% |
| MJ INSURANCE3 Filed as: M J INSURANCE INC - AZ | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $6K | $6K | 1.27% |
| MJ INSURANCE3 Filed as: M J INSURANCE INC - AZ | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.27% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 9225 PRIORITY WAY WEST DR SUITE 100 INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $589 | $5K | 11.40% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $128 | $2K | 17.49% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR ROCHESTER, NY 14450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98 | — | $98 | 1.08% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $67 | $1K | 15.96% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $884 | — | $884 | 14.53% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 9225 PRIORITY WAY WEST DR STE 100 INIDANAPOLIS, IN 46240 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $108 | $108 | 1.77% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR ROCHESTER, NY 14450 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.79% |
| ASSUREX3 | 175 S THIRD ST STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $44 | $44 | 0.72% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $646 | $89 | $735 | 16.13% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 113 | $482K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $42K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $42K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $12K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.