| 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 | $20K | — | $20K | 5.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | BLUE CROSS BLUE SHIELD OF ARIZONA | $14K | — | $14K | 4.06% |
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD., SUITE 103 PHOENIX, AZ 85048 | DELTA DENTAL OF ARIZONA | $3K | — | $3K | 2.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., SUITE 103 PHOENIX, AZ 85048 | DELTA DENTAL OF ARIZONA | $2K | — | $2K | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD, SUITE 103 PHOENIX, AZ 85048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD., SUITE 103 PHOENIX, AZ 85048 | DELTA DENTAL OF ARIZONA | $1K | — | $1K | 2.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., SUITE 103 PHOENIX, AZ 85048 | DELTA DENTAL OF ARIZONA | $762 | — | $762 | 1.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD, SUITE 103 PHOENIX, AZ 85048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 47.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., SUITE 103 PHOENIX, AZ 85048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| MW BAGNALL COMPANY3 | 1345 E. CHANDLER BLVD., SUITE 103 PHOENIX, AZ 85048 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 11.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., SUITE 103 PHOENIX, AZ 85048 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $64 | $1K | 4.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., SUITE 103 PHOENIX, AZ 85048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD, SUITE 103 PHOENIX, AZ 85048 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., SUITE 103 PHOENIX, AZ 85048 | EMPLOYERS DENTAL SERVICES | $416 | — | $416 | 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 | 482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 314 | $336K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF ARIZONA | 144 | $166K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 382 | $363K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 482 | $71K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $28K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 482 | $45K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 314 | $336K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 314 | $336K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 504 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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.