| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 3900 EAST CAMELBACK ROAD, SUITE 225 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | $242K | $294K | 3.67% |
| MJ INSURANCE3 | 571 MONSON BOULEVARD, SUITE 400 CARMEL, IN 46032 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | $0 | $46K | 0.58% |
| JULIE KICKER3 Filed as: JULIE A. KICKER | 719 EAST COTTONWOOD LANE CASA GRANDE, AZ 85122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 12.01% |
| MJ INSURANCE3 | 3750 PRIORITY WAY SOUTH DRIVE SUITE 200 INDIANAPOLIS, IN 46240 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 7.00% |
| KELLY MCGARRY3 | 4750 NORTH ORACLE ROAD, SUITE 214 TUCSON, AZ 85705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.95% |
| CAFFREY NICHOLAS3 | 2141 INSUSTRIAL PARKWAY, SUITE 204 SILVER SPRING, MD 20904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $328 | $0 | $328 | 1.48% |
| SETH G KNOWLTON3 Filed as: SETH G. KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $290 | — | $290 | 1.31% |
| KAMIL ADRIEENE BREEDLOVE | 6101 WEST ARIZONA PAVILLIONS DRIVE SUITE 402 TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $255 | $0 | $255 | 1.15% |
| MJ INSURANCE3 Filed as: SANDRA SARFF AND VARIOUS AGENTS | 3811 EAST CHICO LANE TUCSON, AZ 85739 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | $0 | $93 | 0.42% |
| MJ INSURANCE3 | 571 MONSON BOULEVARD, SUITE 400 CARMEL, IN 46032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $347 | $0 | $347 | 15.00% |
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 | 865 | 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) | 865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,224 | $8.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,224 | $8.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,224 | $8.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,224 | $8.0M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,224 | $8.0M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,224 | $8.0M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,224 | $8.0M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,224 | $8.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,224 | — |
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."
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.