| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M J INSURANCE INC.3 Filed as: M J INSURANCE INC | 3900 E CAMELBACK RD STE 225 PHOENIX, AZ 850182614 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $26K | $26K | 5.18% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BLVD, SUITE 400 CARMEL, IN 46032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $267 | $3K | 21.85% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | STE 225 3900 E CAMELBACK RD PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $273 | $3K | 21.73% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $89 | — | $89 | 0.62% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $177 | $2K | 25.68% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | STE 225 3900 E CAMELBACK RD PHOENIX, AZ 85018 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $995 | $89 | $1K | 14.29% |
| ASSUREX3 | STE 800 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $48 | $48 | 0.63% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR ROCHESTER, NY 14620 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.54% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | STE 225 3900 E CAMELBACK RD PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $73 | $1K | 16.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | STE 225 3900 E CAMELBACK RD PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $484 | $51 | $535 | 11.29% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | STE 225 3900 E CAMELBACK RD PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $654 | $76 | $730 | 24.12% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $493K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $47K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $47K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $12K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $3K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
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.