| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INCOR SERVICES INC3 | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | BLUE CROSS & BLUE SHIELD OF ARIZONA | $833K | — | $833K | 5.47% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | DELTA DENTAL OF ARIZONA | $128K | — | $128K | 12.00% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | — | $52K | 13.39% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | DELTA DENTAL OF ARIZONA | $18K | — | $18K | 10.00% |
| INCOR SERVICES INC3 | — | ALPHA DENTAL OF ARIZONA, INC. | $24K | — | $24K | 15.68% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 13.68% |
| INCOR SERVICES INC3 | 1500 EAST BETHANY HOME ROAD PHOENIX, AZ 85014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 12.41% |
| ANGELA M COOK3 | 400 NORTH CORONADO STREET APARTMENT 2108 CHANDLER, AZ 85224 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 6.67% |
| JOSE A SCHIENEMAN3 | 1881 SOUTH CARRAIGE LANE CHANDLER, AZ 85286 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.38% |
| FILIPE A COELHO3 | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.33% |
| JASON PERKINS3 Filed as: JASON PERKINS LLC | 2162 EAST HAWKEN WAY CHANDLER, AZ 85286 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.75% |
| JEFFREY D TORELLO3 | 14 BUSINESS PARK DRIVE SUITE 8 BRANFORD, CT 06405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.44% |
| ASHLEY INSURANCE GROUP3 Filed as: ASHLEY M BOEHLER | 14301 NORTH 87TH STREET SCOTTSDALE, AZ 85260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.04% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$95 | — | -$95 | -0.49% |
| INCOR SERVICES INC3 Filed as: INCOR SERVICES | 1500 EAST BETHANY HOME ROAD SUITE 200 PHOENIX, AZ 85014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$24 | — | -$24 | -0.84% |
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 | 1,746 | 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) | 1,746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF ARIZONA | 38 | $15.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ARIZONA | 1,591 | $1.2M |
| Vision | DELTA DENTAL OF ARIZONA | 1,591 | $179K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,135 | $506K |
| Short-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,135 | $525K |
| Long-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,135 | $525K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,600 | $594K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,600 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.