| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD., SUITE 103 PHOENIX, AZ 85048 | BLUE CROSS BLUE SHIELD OF ARIZONA | $40K | — | $40K | 11.27% |
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD., SUITE 103 PHOENIX, AZ 85048 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 5.71% |
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD, SUITE 103 PHOENIX, AZ 85048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 16.14% |
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD., SUITE 103 PHOENIX, AZ 85048 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 19.38% |
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD, SUITE 103 PHOENIX, AZ 85048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.05% |
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD., SUITE 103 PHOENIX, AZ 85048 | MHN SERVICES | $537 | — | $537 | 5.00% |
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD., SUITE 103 PHOENIX, AZ 85048 | EMPLOYERS DENTAL SERVICES | $421 | — | $421 | 8.00% |
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 | 518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 530 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 324 | $353K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 475 | $186K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 475 | $534K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $84K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 104 | $50K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $30K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 324 | $353K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 324 | $353K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.