| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREESTONE FINANCIAL LLC3 | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $35K | $44K | 4.37% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 412703 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $20K | $24K | 2.39% |
| FREESTONE FINANCIAL LLC3 | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 412703 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $377 | $0 | $377 | 6.06% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE INSURANCE GROUP | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | METROPOLITAN GENERAL INSURANCE COMPANY | $202 | $0 | $202 | 3.25% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 263 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 263 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 263 | $1.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $86K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $86K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $86K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 263 | $1.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.