| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 3900 EAST CAMELBACK ROAD, SUITE 225 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | $197K | $244K | 3.62% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 7.46% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $93 | $93 | 0.03% |
| JULIE KICKER3 Filed as: JULIE A. KICKER | 719 EAST COTTONWOOD LANE CASA GRANDE, AZ 85122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 18.96% |
| MJ INSURANCE3 | 3750 PRIORITY WAY SOUTH DRIVE SUITE 200 INDIANAPOLIS, IN 46032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.05% |
| KELLY MCGARRY3 | 4750 NORTH ORACLE ROAD, SUITE 214 TUCSON, AZ 85705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.49% |
| SETH G KNOWLTON3 Filed as: SETH G. KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $609 | $0 | $609 | 3.21% |
| KAMIL ADRIEENE BREEDLOVE3 | 6101 WEST ARIZONA PAVILLIONS DRIVE APARTMENT 402 TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $423 | $0 | $423 | 2.23% |
| MICHAEL D. CLAWSON AND OTHER AGENTS3 | PO BOX 974 EMORY, TX 75440 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | $0 | $81 | 0.43% |
| SANDRA L SARFF3 Filed as: SANDRA L. SARFF | 3811 EAST CHICO LANE TUCSON, AZ 85739 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.16% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $336 | $0 | $336 | 14.67% |
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 | 828 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,517 | $6.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,517 | $6.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,517 | $6.7M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 841 | $278K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 841 | $278K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 841 | $278K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,517 | $6.7M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 841 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,517 | — |
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.
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.