| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEXUS PARTNERS INSURANCE LLC3 | 5745 N. SCOTTSDALE RD. #111 SCOTTSDALE, AZ 85250 | AETNA LIFE INSURANCE CO. | $30K | — | $30K | 4.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES | 3800 N. CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 2.68% |
| NEXUS PARTNERS INSURANCE LLC3 | 5745 N. SCOTTSDALE RD. B-120 SCOTTSDALE, AZ 85250 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $100 | $7K | 11.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DR. SUITE 400S DALLAS, TX 752511800 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $34 | $2K | 3.73% |
| NEXUS PARTNERS INSURANCE LLC3 | 5745 N. SCOTTSDALE RD. #120 SCOTTSDALE, AZ 85250 | TOTAL DENTAL ADMINISTRATORS HEALTH PLAN, INC. | $457 | — | $457 | 7.50% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 216 | $613K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $65K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.