| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | 16220 NORTH SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | BLUE CROSS BLUE SHIELD OF ARIZONA | $48K | $0 | $48K | 10.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | 16220 NORTH SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 9.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | 16220 NORTH SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | PO BOX 730054 DALLAS, TX 75373 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | 16220 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 8.70% |
| KENT BISWANGER3 | 1851 WEST HIDDENVIEW DRIVE PHOENIX, AZ 85045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $302 | $3K | 7.89% |
| JAMES D THRESHER3 Filed as: JAMES D. THRESHER | 1316 EAST NIGHTINGALE LANE GILBERT, AZ 85298 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $817 | $2K | $2K | 6.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | 16220 NORTH SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.05% |
| JB & H LLC3 Filed as: JB AND H LLC | 8707 EAST SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $54 | $1K | 3.59% |
| JANET WEHRLE3 | 5820 NORTH 81ST STREET SCOTTSDALE, AZ 85250 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $777 | $0 | $777 | 1.93% |
| MJ INSURANCE3 Filed as: JAMES N. THRESHER & VARIOUS AGENTS | 1337 WEST GILA LANE CHANDLER, AZ 85224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $534 | $9 | $543 | 1.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | PO BOX 730054 DALLAS, TX 75373 | AETNA LIFE INSURANCE COMPANY | $1K | $517 | $2K | 9.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA, INC. | 16220 NORTH SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | AETNA LIFE INSURANCE COMPANY | $633 | $0 | $633 | 3.70% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 152 | $458K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $123K |
| Vision | AETNA LIFE INSURANCE COMPANY | 242 | $17K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 234 | $169K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 234 | $129K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 234 | $129K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 152 | $458K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 234 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.