| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MW BAGNALL COMPANY3 Filed as: THE MW BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG. 1 SUITE 103 PHOENIX, AZ 85048 | HEALTH NET | $22K | — | $22K | 3.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 3838 CAMINO DEL RIO, SUITE 315 SAN DIEGO, CA 92108 | HEALTH NET | $12K | — | $12K | 1.73% |
| MW BAGNALL COMPANY3 Filed as: THE MW BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG. 1 SUITE 103 PHOENIX, AZ 85048 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1345 E. CHANDLER BLVD., BLDG. 1 SUITE 103 PHOENIX, AZ 85408 | SYMETRA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.25% |
| MW BAGNALL COMPANY3 Filed as: THE MW BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG. 1 SUITE 103 PHOENIX, AZ 85048 | UNION SECURITY INSURANCE COMPANY | $944 | — | $944 | 4.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1345 E. CHANDLER BLVD., BLDG. 1 SUITE 103 PHOENIX, AZ 85048 | UNION SECURITY INSURANCE COMPANY | $92 | — | $92 | 0.44% |
| MW BAGNALL COMPANY3 Filed as: THE MW BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG. 1 SUITE 103 PHOENIX, AZ 85048 | UNITED DENTAL CARE OF ARIZONA, INC. | $670 | — | $670 | 4.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1345 E. CHANDLER BLVD., BLDG. 1 SUITE 103 PHOENIX, AZ 85048 | UNITED DENTAL CARE OF ARIZONA, INC. | $63 | — | $63 | 0.43% |
| MW BAGNALL COMPANY3 Filed as: THE MW BAGNALL COMPANY | 1345 E. CHANDLER BLVD., BLDG. 1 SUITE 103 PHOENIX, AZ 85048 | AVESIS INSURANCE INCORPORATED | $802 | — | $802 | 9.96% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 100 | $714K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 52 | $35K |
| Vision(2 contracts, 2 carriers) | HEALTH NET | 100 | $723K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 162 | $25K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 162 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.