| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARNETT INSURANCE SERVICES LLC3 Filed as: ARNETT INSURANCE SERVICES, LLC | 3850 EAST BASELINE ROAD SUITE 106 MESA, AZ 85206 | SUN LIFE ASSURANCE COMPANY OF CANADA | $94K | $24K | $118K | 7.73% |
| ARNETT INSURANCE SERVICES LLC3 | 3850 EAST BASELINE ROAD SUITE 106 MESA, AZ 85206 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 3.27% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 2.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $546 | $0 | $546 | 0.20% |
| ARNETT INSURANCE SERVICES LLC3 | 3850 EAST BASELINE ROAD SUITE 106 MESA, AZ 85206 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $736 | $736 | 0.33% |
| ARNETT INSURANCE SERVICES LLC3 | 3850 EAST BASELINE ROAD SUITE 106 MESA, AZ 85206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 20.01% |
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 | 2,190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,627 | $222K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,190 | $1.8M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,190 | $1.8M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,190 | $1.5M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,190 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,627 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.