| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $47K | $47K | 2.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 19640 IRVINE, CA 92623 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN INSURANCE AGENCY | 9171 TOWNE CENTRE DRIVE SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF ARIZONA | $5K | — | $5K | 4.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN INS AGENCY, LLC | 9171 TOWNE CENTRE DRIVE SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF ARIZONA | $995 | — | $995 | 0.90% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 1005 CONVENTION PLAZA SAINT LOUIS, MO 63101 | DELTA DENTAL OF ARIZONA | $500 | $0 | $500 | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | 8605 EAST RAINTREE DRIVE SUITE 200 SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $53 | $7K | 12.03% |
| AON CONSULTING INC3 Filed as: AON RISK INS SERVICES WEST, INC. | PO BOX 19640 IRVINE, CA 92623 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $435 | $3K | 4.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $264 | $264 | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $42 | $42 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 4703 EAST CAMP LOWELL SUITE 101 TUCSON, AZ 85712 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.16% |
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 | 105 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $1.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ARIZONA | 219 | $151K |
| Vision | DELTA DENTAL OF ARIZONA | 219 | $110K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $99K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $99K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 134 | $58K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $1.7M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.