| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON & ASSOCIATES INC. | 3850 E. BASELINE RD. STE. 121 MESA, AZ 85206 | QBE INSURANCE CORPORATION | $0 | $0 | $0 | 0.00% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON & ASSOCIATES INC. | 3850 E BASELINE ROAD STE. 121 MESA, AZ 85206 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.59% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON & ASSOCIATES. INC. | 3850 EAST BASELINE ROAD STE 121 MESA, AZ 85206 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.37% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON & ASSOCIATES INC. | 3850 E BASELINE ROAD STE 121 MESA, AZ 85206 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.51% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON & ASSOCIATES INC. | 3850 E. BASELINE RD. STE 121 MESA, AZ 85206 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON & ASSOCIATES INC. | 3850 EAST BASELINE ROAD STE. 121 MESA, AZ 85206 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.48% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON & ASSOCIATES INC. | 3850 EAST BASELINE ROAD STE 121 MESA, AZ 85206 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | 11000 OPTUM CIRLCE EDEN PRAIRIE, MN 55344 | $8.1M |
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 1 EAST WASHINGTON STREET STE. 1700 PHOENIX, AZ 85044 | $109K |
| GARRY L. JOHNSON & ASSOCIATES INC. EIN 86-0616252 CONSULTANT | Other commissions Service code 55 | 3850 EAST BASELINE ROAD MESA, AZ 85206 | $44K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $88K |
| Vision | VISION SERVICE PLAN | 155 | $34K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $16K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 204 | $75K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $53K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 137 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.