| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARRY L JOHNSON & ASSOCIATES INC3 | 3850 E BASELINE RD MESA, AZ 85206 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $148K | — | $148K | 22.57% |
| GARRY L JOHNSON & ASSOCIATES INC3 | 3850 E BASELINE RD MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GARRY L JOHNSON & ASSOCIATES INC EIN 86-0616252 CONSULTANT | Other commissions Service code 55 | 3850 E BASELINE RD STE 121 MESA, AZ 85206 | $148K |
| CIGNA EIN 59-1031071 CARRIER | Named fiduciary; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Participant communication; Claims processing; Float revenue; Other services Service code 12 | 8888 E RAINTREE DRIVE SCOTTSDALE, AZ 85260 | $109K |
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 | 486 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 486 | $656K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 727 | $90K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 727 | $90K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 486 | $656K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 486 | $656K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.