| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | BLUE CROSS BLUE SHIELD OF ARIZONA | $70K | — | $70K | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | BLUE CROSS BLUE SHIELD OF ARIZONA | $24K | — | $24K | 0.88% |
| MW BAGNALL COMPANY3 Filed as: THE MW BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 3.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 1.68% |
| MW BAGNALL COMPANY3 Filed as: THE MW BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $113 | $7K | 9.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | METROPOLITAN LIFE INSURANCE COMPANY | $330 | $64 | $394 | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.05% |
| 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 MW BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | UNITED DENTAL CARE OF ARIZONA, INC | $227 | — | $227 | 3.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | UNITED DENTAL CARE OF ARIZONA, INC | $114 | — | $114 | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1900 W. LOOP S, SUITE 1600 HOUSTON, TX 77027 | UNION SECURITY INSURANCE COMPANY | $947 | — | $947 | 16.96% |
| MW BAGNALL COMPANY3 Filed as: THE MW BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | UNION SECURITY INSURANCE COMPANY | $648 | — | $648 | 11.60% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 183 | $2.7M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 292 | $112K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 183 | $2.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $74K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $74K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 183 | $2.7M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 183 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.