| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INCOR SERVICES INC3 | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | AETNA LIFE INSURANCE COMPANY | $77K | — | $77K | 0.74% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 14.90% |
| KENT BISWANGER3 | 1851 WEST HIDDENVIEW DRIVE PHOENIX, AZ 85045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.97% |
| JAMES D THRESHER3 | 1316 EAST NIGHTINGALE LANE GILBERT, AZ 85298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$24 | — | -$24 | -0.02% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 11.35% |
| KENT BISWANGER3 | 1851 WEST HIDDENVIEW DRIVE PHOENIX, AZ 85045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.78% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES, INC. | 1500 EAST BETHANY HOME ROAD #200 PHOENIX, AZ 85014 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13K | — | $13K | 10.85% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 12.86% |
| KENT BISWANGER3 | 1851 WEST HIDDENVIEW DRIVE PHOENIX, AZ 85045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.03% |
| JAMES D THRESHER3 | 1316 EAST NIGHTINGALE LANE GILBERT, AZ 85298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $368 | — | $368 | 0.79% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| KENT BISWANGER3 | 1851 WEST HIDDENVIEW DRIVE PHOENIX, AZ 85045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $839 | — | $839 | 5.00% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $429 | — | $429 | 11.26% |
| KENT BISWANGER3 | 1851 WEST HIDDENVIEW DRIVE PHOENIX, AZ 85045 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $143 | — | $143 | 3.75% |
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 | 1,776 | 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) | 1,776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,285 | $11.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 3,285 | $10.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,907 | $117K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 387 | $204K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 341 | $220K |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 341 | $220K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 387 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,285 | — |
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.