| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INCOR SERVICES INC3 | 1500 E BETHANY HOME ROAD STE 200 PHOENIX, AZ 85014 | AETNA LIFE INSURANCE CO | $55K | — | $55K | 0.66% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 E. BETHANY HOME RD STE 200 PHOENIX, AZ 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.00% |
| JAMES D THRESHER3 | 1316 E. NIGHTINGALE LN GILBERT, AZ 85298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.00% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES INC - BOR | 1500 E. BETHANY HOME RD #200 PHOENIX, AZ 85014 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 11.80% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 E. BETHANY HOME RD STE 200 PHOENIX, AZ 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.12% |
| JAMES D THRESHER3 | 1316 E. NIGHTINGALE LN GILBERT, AZ 85298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.12% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 E BETHANY HOME RD STE 200 PHOENIX, AK 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| JAMES D THRESHER3 Filed as: JAMES D. THRESHER | 1316 E. NIGHTINGALE LN GILBERT, AZ 85298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 E. BETHANY HOME RD STE 200 PHOENIX, AZ 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $250 | — | $250 | 7.51% |
| JAMES D THRESHER3 | 1316 E. NIGHTINGALE LN GILBERT, AZ 85298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $250 | — | $250 | 7.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INCOR SERVICES INC EIN 86-0731959 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1500 E BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | $335K |
| ROGERS BENEFIT GROUP INC EIN 41-1596522 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 5110 N. 40TH STREET SUITE 234 PHOENIX, AZ 85018 | $71K |
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 | 2,772 | 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) | 2,772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 2,772 | $8.3M |
| Dental | AETNA LIFE INSURANCE CO | 2,772 | $8.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,560 | $103K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $40K |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $175K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,772 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.