| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRANSTAR INSURANCE BROKERS, INC.3 Filed as: TRANSTAR INSURANCE BROKERS | 5450 E. HIGH ST STE 230 PHOENIX, AZ 85054 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 5.72% |
| JEFFREY GRIFFIN3 | 6720 N. SCOTTSDALE RD., SUITE 310 SCOTTSDALE, AZ 85253 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $448 | $4K | 4.82% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 2.86% |
| TRANSTAR INSURANCE BROKERS, INC.3 Filed as: TRANSTAR INSURANCE BROKERS | 5450 E. HIGH ST STE 230 PHOENIX, AZ 85054 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $739 | — | $739 | 10.03% |
| JEFFREY GRIFFIN3 | 6720 N. SCOTTSDALE RD., SUITE 310 SCOTTSDALE, AZ 85253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $366 | $30 | $396 | 5.38% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $246 | — | $246 | 3.34% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 135 | $84K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 135 | $84K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $7K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.