| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MW BAGNALL COMPANY3 Filed as: THE BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | BLUE CROSS & BLUE SHIELD OF ARIZONA | $72K | — | $72K | 4.10% |
| MW BAGNALL COMPANY3 Filed as: THE BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | UNION SECURITY INSURANCE COMPANY | $5K | $34 | $5K | 5.06% |
| MW BAGNALL COMPANY3 Filed as: THE BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 9.97% |
| MW BAGNALL COMPANY3 Filed as: THE BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | AVESIS INSURANCE INCORPORATED | $2K | — | $2K | 10.00% |
| MW BAGNALL COMPANY3 Filed as: THE BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | UNITED DENTAL CARE OF ARIZONA, INC | $405 | — | $405 | 5.00% |
| MW BAGNALL COMPANY3 Filed as: THE BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 25.91% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ARIZONA | 163 | $1.8M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 128 | $99K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF ARIZONA | 163 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $58K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 313 | $148K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ARIZONA | 163 | $1.8M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 163 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.