| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINCLINE LLC3 | 2720 E CAMELBACK RD STE 275 PHOENIX, AZ 85016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $8K | $23K | 8.68% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $21K | $21K | 8.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | RICHMOND VA LOCATION 701 B ST STE 6TH SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 4.20% |
| WINCLINE LLC3 | 2720 E CAMELBACK RD STE 275 PHOENIX, AZ 85016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.55% |
| WINCLINE LLC3 Filed as: WINCLINE, LLC | 2720 E CAMELBACK RD, STE 275 PHOENIX, AZ 85016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.67% |
| WINCLINE LLC3 | 2720 E CAMELBACK RD STE 275 PHOENIX, AZ 85016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 11.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | RICHMOND VA LOCATION 701 B ST STE 6TH SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.41% |
| WINCLINE LLC3 | 2720 E CAMELBACK RD STE 275 PHOENIX, AZ 85016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 9.93% |
| WINCLINE LLC3 | 2720 E CAMELBACK RD STE 275 PHOENIX, AZ 85016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 12.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | RICHMOND VA LOCATION 701 B ST STE 6TH SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.28% |
| WINCLINE LLC3 | 2720 E CAMELBACK RD STE 275 PHOENIX, AZ 85016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.64% |
| HARVEY, JOHN,3 | SUITE 275 2720 E CAMELBACK RD PHOENIX, AZ 85016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 15.81% |
| WINCLINE LLC3 | 2720 E CAMELBACK RD STE 275 PHOENIX, AZ 85016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.14% |
| HARVEY, JOHN,3 Filed as: HARVEY JOHN | SUITE 275 2720 E CAMELBACK RD PHOENIX, AZ 85016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $964 | — | $964 | 15.73% |
| WINCLINE LLC3 | 2720 E CAMELBACK RD 275 PHOENIX, AZ 85106 | FEDERAL INSURANCE COMPANY | $693 | — | $693 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF ARIZONA EIN 86-0274899 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $27K |
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 | 1,147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,423 | $7.0M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 854 | $332K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 518 | $211K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 423 | $78K |
| Other(7 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,147 | $512K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,423 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.