No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTHCARE EIN 59-1031071 NONE, OTHER THAN CONTRACT | Named fiduciary; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Participant communication Service code 12 | 1101 NORTH BLACK CANYON HIGHWAY PHOENIX, AZ 85029 | $2.1M |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE, OTHER THAN CONTRACT | Contract Administrator Service code 13 | 2001 W CAMELBACK RD STE B350 PHOENIX, AZ 85015 | $240K |
| THE SEGAL COMPANY EIN 13-1835864 NONE, OTHER THAN CONTRACT | Insurance brokerage commissions and fees; Actuarial Service code 11 | 1230 WEST WASHINGTON STREET SUITE 501 TEMPE, AZ 85281 | $80K |
| RYAN RAPP & UNDERWOOD EIN 86-0767091 NONE, OTHER THAN CONTRACT | Legal Service code 29 | 3200 W CENTRAL AVE SUITE 2250 PHOENIX, AZ 85012 | $46K |
| MERRILL LYNCH EIN 13-3180817 NONE, OTHER THAN CONTRACT | Investment advisory (plan); Soft dollars commissions; Investment management fees paid directly by plan Service code 27 | — | $40K |
| BALDWIN & BALDWIN PLLC EIN 46-4370753 NONE, OTHER THAN CONTRACT | Accounting (including auditing) Service code 10 | 701 NORTH 44TH STREET PHOENIX, AZ 85008 | $33K |
| VALUE OPTION INSURANCE NONE, OTHER THAN CONTRACT | Claims processing Service code 12 | 200 STATE STREET BOSTON, MA 02109 | $29K |
| NECASTAR EIN 86-0140480 NONE, OTHER THAN CONTRACT | Other services Service code 49 | 4315 N 12TH STREET PHOENIX, AZ 85014 | $22K |
| NWQ INVESTMENT MANAGEMENT EIN 04-3161875 NONE, OTHER THAN CONTRACT | Investment management fees paid directly by plan; Soft dollars commissions Service code 51 | 2049 CNTURY PARK E 18TH FLOOR LOS ANGELES, CA 90067 | $14K |
| INTERNATIONAL PRINTING NONE, OTHER THAN CONTRACT | Copying and duplicating Service code 36 | 2241 S 7TH ST PHOENIX, AZ 85034 | $10K |
| WARD, KEENAN, BARRETT P.C. EIN 86-0274260 NONE, OTHER THAN CONTRACT | Legal Service code 29 | — | $7K |
| CHUBB EIN 13-1963496 NONE, OTHER THAN CONTRACT | Insurance services Service code 23 | 2800 W CENTRAL AVE SUITE 1600 PHOENIX, AZ 85004 | $6K |
| CIGMA | Named fiduciary; Other services; Contract Administrator; Participant communication; Float revenue; Non-monetary compensation; Direct payment from the plan Service code 13 | — | $0 |
| CIGNA | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $0 |
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 | 1,091 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 181 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,359 | $738K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,372 | $683K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 800 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,372 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.