| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL | 7975 NORTH HAYDEN ROAD, SUITE C300 SCOTTSDALE, AZ 85253 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | $0 | $53K | 5.20% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $33K | $33K | 3.24% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $161K | $55K | $216K | 64.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $10K | $47K | $58K | 17.16% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SUITE 225 SCOTTSDALE, AZ 85254 | AETNA LIFE INSURANCE COMPANY | $11K | $2K | $12K | 7.36% |
| AON CONSULTING INC3 Filed as: AON RISK INS. SERVICES WEST, INC. | 2555 EAST CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | AETNA LIFE INSURANCE COMPANY | $5K | $683 | $6K | 3.29% |
| AON CONSULTING INC3 Filed as: AON RISK INS. SERVICES WEST, INC. | 2555 EAST CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $24K | $0 | $24K | 20.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $0 | $6K | 9.11% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | PO BOX 956012 ST. LOUIS, MO 63195 | METROPOLITAN GENERAL INSURANCE COMPANY | $536 | $67 | $603 | 1.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $506 | $506 | 0.84% |
| AON CONSULTING INC3 Filed as: AON RISK INS. SERVICES WEST, INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $225 | $225 | 0.37% |
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 | 1,485 | 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) | 1,485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 12 | $168K |
| Dental | AETNA LIFE INSURANCE COMPANY | 12 | $168K |
| Vision | AETNA LIFE INSURANCE COMPANY | 12 | $168K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,479 | $1.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,479 | $1.0M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 12 | $168K |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,485 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,485 | — |
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.