| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: MATRIX RISK MANAGEMENT LLC | 125 PRESUMPSCOT ST. FALMOUTH, MN 04105 | NATIONWIDE LIFE INSURANCE COMPANY | $15K | — | $15K | 3.08% |
| GARRY L JOHNSON & ASSOCIATES INC3 | 3850 E BASELINE RD MESA, AZ 85206 | ONE AMERICA | $16K | $15K | $32K | 13.06% |
| GARRY L JOHNSON & ASSOCIATES INC3 | 3850 E BASELINE RD MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 6.63% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $182 | — | $182 | 0.50% |
| GARRY L JOHNSON & ASSOCIATES INC3 | 3850 E BASELINE RD MESA, AZ 85206 | UMR | $52K | $0 | $52K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM EIN 33-0441200 PHARMACY BENEFIT MANAGER | Direct payment from the plan; Float revenue; Claims processing; Other fees Service code 12 | 11000 OPTUM CIRCLE DEEN PRAIRIE, MN 55344 | $439K |
| GARRY L JOHNSON & ASSOCIATES EIN 86-0616252 BROKER | Other commissions Service code 55 | 3850 EAST BASELINE RD. STE 121 MESA, AZ 85206 | $52K |
| MARTRIX RISK MANAGEMENT LLC EIN 83-0360667 3 | Consulting (general) Service code 16 | 125 PRESUMPSCOT STREET FALMOUTH, MN 04105 | $15K |
| UMR EIN 39-1995276 3 | Claims processing Service code 12 | 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | $0 |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UMR | 168 | $0 |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 422 | $125K |
| Vision | VISION SERVICE PLAN | 170 | $37K |
| Life insurance | ONE AMERICA | 259 | $241K |
| Short-term disability | ONE AMERICA | 259 | $241K |
| Long-term disability | ONE AMERICA | 259 | $241K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 168 | $479K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.