| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $104K | $104K | 4.92% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 412703 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 5.35% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 5.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $42 | $2K | 8.85% |
| JB & H LLC3 | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.40% |
| JANET WEHRLE3 | 5820 NORTH 81ST STREET SCOTTSDALE, AZ 85250 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $768 | $0 | $768 | 3.34% |
| NOAH OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $388 | $195 | $583 | 2.54% |
| KENT BISWANGER3 | 17010 SOUTH 32ND PLACE PHOENIX, AZ 85048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $0 | $129 | 0.56% |
| MJ INSURANCE3 Filed as: JAMES D THRESHER AND VARIOUS AGENTS | PO BOX 19569 HAPPY JACK, AZ 86024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | $0 | $72 | 0.31% |
| DENA KOLLOWAY OROPEZA3 | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.13% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $2.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $234K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $234K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $257K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $234K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $234K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $2.1M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 278 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
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.