| 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 | $50K | — | $50K | 0.42% |
| MICHAEL TOPE3 | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | DELTA DENTAL OF ARIZONA | $73K | — | $73K | 12.00% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 21.98% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 16.38% |
| MICHAEL TOPE3 | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | DELTA DENTAL OF ARIZONA | $6K | — | $6K | 12.00% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 17.01% |
| 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 | 21.84% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $571 | — | $571 | 16.45% |
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 | 1,992 | 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) | 1,992 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 2,710 | $12.6M |
| Dental(2 contracts) | DELTA DENTAL OF ARIZONA | 1,001 | $665K |
| Vision(2 contracts) | DELTA DENTAL OF ARIZONA | 1,001 | $665K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 453 | $226K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $258K |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 415 | $258K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 453 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,710 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.