| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEXUS PARTNERS INSURANCE LLC3 | 5745 N. SCOTTSDALE RD. B-120 SCOTTSDALE, AZ 85250 | AETNA LIFE INSURANCE COMPANY | $25K | — | $25K | 4.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES | 3800 N. CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | AETNA LIFE INSURANCE COMPANY | $16K | — | $16K | 3.14% |
| NEXUS PARTNERS INSURANCE LLC3 | 5745 N. SCOTTSDALE RD. B-120 SCOTTSDALE, AZ 852505902 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 12.62% |
| CORNERSTONE INS & FINANCIAL3 Filed as: CORNERSTONE INS AND FINANCIAL | 4851 LYNDON B JOHNSON FWY SUITE 1100 DALLAS, TX 752446025 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.29% |
| BENEFITMALL3 Filed as: BENEFITMALL HOLDING INC. | 4851 LYNDON B JOHNSON FWY SUITE 100 DALLAS, TX 752446029 | METROPOLITAN LIFE INSURANCE COMPANY | $717 | — | $717 | 1.11% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 228 | $511K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $65K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.