| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 2555 E. CAMELBACK ROAD, SUITE 700 PHOENIX, AZ 85016 | UNITED HEALTHCARE INSURANCE COMPANY | — | $193K | $193K | 5.23% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 75 REMITTANCE DRIVE DEPT 1446 CHICAGO, IL 60675 | UNITED HEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 13.75% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 1005 CONVENTION PLAZA ST. LOUIS, MO 631010000 | DELTA DENTAL OF ARIZONA | $28K | — | $28K | 7.37% |
| AON CONSULTING INC3 Filed as: AON HEWITT- PHOENIX AZ | 29840 NETWORK PLACE CHICAGO, IL 606731298 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | — | $4K | 9.87% |
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 | 652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 726 | $3.7M |
| Dental | DELTA DENTAL OF ARIZONA | 747 | $379K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 662 | $43K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 801 | $394K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 801 | $394K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 801 | $394K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 801 | $394K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 801 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.