| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $125K | $125K | 2.65% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | PO BOX 32702 TUCSON, AZ 85751 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 1.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 19640 IRVINE, CA 92623 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $37K | $37K | 0.78% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SRVCS WEST INC | 75 REMITTANCE DRIVE, DEPT 1446 LOCK BOX 1446 CHICAGO, IL 60675 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN INS AGENCY, LLC | 9171 TOWNE CENTRE DRIVE SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF ARIZONA | $26K | $0 | $26K | 6.65% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 1005 CONVENTION PLAZA SAINT LOUIS, MO 63101 | DELTA DENTAL OF ARIZONA | $5K | $0 | $5K | 1.29% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 6718 SOMERSET, NJ 08875 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $691 | $8K | 13.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 1031 WEST 4TH AVENUE SUITE 400 ANCHORAGE, AK 99501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.47% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAM, INC. | PO BOX 6718 SOMERSET, NJ 08875 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $616 | — | $616 | 0.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $395 | $0 | $395 | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $331 | $0 | $331 | 0.52% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $782 | — | $782 | 1.62% |
| MMA TRION OPERATING3 | PO BOX 412703 BOSTON, MA 02241 | LEGALPLANS, USA | $3K | — | $3K | 15.00% |
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 | 756 | 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) | 756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,790 | $4.7M |
| Dental | DELTA DENTAL OF ARIZONA | 838 | $390K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 756 | $48K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,790 | $4.7M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,790 | $4.7M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,790 | $4.7M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,790 | $4.7M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,790 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,790 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.