| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 2730 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85016 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $143K | $145K | 6.21% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 9225 PRIORITY WAY WEST DRIVE SUITE 100 INDIANAPOLIS, IN 46240 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.18% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $822 | $8K | 4.17% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC. | P.O. BOX 32702 TUCSON, AZ 857512702 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | -$1K | -$3K | -1.60% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 9225 PRIORITY WAY WEST DRIVE SUITE 100 INDIANAPOLIS, IN 46240 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 11.05% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $130 | $130 | 0.14% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $692 | $20 | $712 | 15.23% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 612 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 601 | $184K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 612 | $2.3M |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 346 | $92K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 346 | $92K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 346 | $92K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 346 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 612 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.