| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD J FECHTER | 2450 S. GILBERT ROAD SUITE 109 CHANDLER, AZ 85286 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT & HEALTH, INC. | $23K | — | $23K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BLACK GOULD & ASSOCIATES INC | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 850121979 | HUMANA INC. | $5K | — | $5K | 9.51% |
| DONALD J FECHTER | 2425 S STEARMAN DR STE 110 CHANDLER, AZ 85286 | HUMANA INC. | — | $306 | $306 | 0.62% |
| BROCKHURST & ASSOCIATES3 | 1212 EAST OSBORN RD STE 110 PHOENIX, AZ 85014 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 16.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES INC | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 850121979 | UNION SECURITY INSURANCE COMPANY | $692 | — | $692 | 3.00% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT & HEALTH, INC. | 144 | $579K |
| Dental | HUMANA INC. | 128 | $49K |
| Vision | HUMANA INC. | 128 | $49K |
| Life insurance | HUMANA INC. | 128 | $49K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 47 | $23K |
| Other | HUMANA INC. | 128 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
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.