| 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 AND AFFILIATES | $230K | $0 | $230K | 5.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | $0 | $50K | 14.23% |
| JULIE KICKER3 Filed as: JULIE ALISON KICKER | PO BOX 11825 CASA GRANDE, AZ 85130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 8.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.48% |
| KELLY MCGARRY3 | 8785 NORTH MOONFIRE DRIVE TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.96% |
| NICHOLAS CAFFREY3 | 6502 NORTH CALLE LOTTIE TUCSON, AZ 85718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.88% |
| MJ INSURANCE3 | 71 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $991 | — | $991 | 2.64% |
| SETH G KNOWLTON3 Filed as: SETH GEORGE KNOWLTON | 11396 NORTH SILVER PHEASANT LOOP ORO VALLEY, AZ 85737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | $0 | $111 | 0.30% |
| KAMIL ADRIEENE BREEDLOVE3 | 6101 WEST ARIZONA PAVILLIONS DRIVE TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | $0 | $93 | 0.25% |
| MJ INSURANCE3 Filed as: MJ INSURANCE AND VARIOUS AGENTS | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | $0 | $90 | 0.24% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $204 | $0 | $204 | 15.02% |
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 | 557 | 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) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,031 | $4.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,031 | $4.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,031 | $4.5M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,054 | $353K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,054 | $353K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,054 | $353K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,054 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,054 | — |
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.
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.