| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON & ASSOCIATES INC | 3850 E. BASELINE RD MESA, AZ 85206 | UNITED HEALTHCARE INSURANCE COMPANY | $24K | $95K | $119K | 6.19% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITED HEALTHCARE INSURANCE COMPANY | $36K | $11K | $47K | 2.42% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON & ASSOCIATES INC | 3850 E. BASELINE RD MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.94% |
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 | 675 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 675 | $1.9M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 675 | $1.9M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 474 | $61K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 675 | $1.9M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 474 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.