| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARRY L JOHNSON & ASSOCIATES INC3 | 3850 E BASELINE RD MESA, AZ 85206 | UNITED HEALTH CARE INSURANCE COMPANY | $4K | $166K | $169K | 5.05% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITED HEALTH CARE INSURANCE COMPANY | $43K | — | $43K | 1.30% |
| GARRY L JOHNSON & ASSOCIATES INC3 | 3850 E BASELINE RD MESA, AZ 85206 | UNITED HEALTH CARE INSURANCE COMPANY | $8K | — | $8K | 22.43% |
| GARRY L JOHNSON & ASSOCIATES INC3 | 3850 E BASELINE RD MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $5K | $8K | 33.28% |
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 | 768 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 768 | $3.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $23K |
| Life insurance | UNITED HEALTH CARE INSURANCE COMPANY | 406 | $37K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 214 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 768 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.