| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 3900 EAST CAMELBACK ROAD, SUITE 225 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | $255K | $300K | 3.13% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 412703 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 0.10% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 3.89% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | UNITEDHEALTHCARE INSURANCE COMPANY | $97K | $0 | $97K | 24.39% |
| JULIE KICKER3 Filed as: JULIE ALISON KICKER | PO BOX 11825 CASA GRANDE, AZ 85130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.28% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.47% |
| KELLY MCGARRY3 | 8785 NORTH MOONFIRE DRIVE TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $695 | $0 | $695 | 2.86% |
| NICHOLAS CAFFREY3 | 6502 NORTH CALLE LOTTIE TUCSON, AZ 85718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $303 | $0 | $303 | 1.25% |
| SETH G KNOWLTON3 Filed as: SETH GEORGE KNOWLTON | 11396 NORTH SILVER PHEASANT LOOP ORO VALLEY, AZ 85737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | $0 | $165 | 0.68% |
| KAMIL ADRIEENE BREEDLOVE3 | 6101 WEST ARIZONA PAVILLIONS DRIVE APARTMENT 402 TUCSON, AZ 85743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | $0 | $72 | 0.30% |
| MICHAEL FATHERREE3 Filed as: MICHAEL J. FATHERREE & OTHER AGENTS | 171 COUNTY ROAD 1559 ALBA, TX 75410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | $0 | $71 | 0.29% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $294 | $0 | $294 | 12.71% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $70 | $0 | $70 | 3.03% |
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 | 560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,834 | $9.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,834 | $9.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,834 | $9.6M |
| Life insurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 907 | $793K |
| Short-term disability(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 907 | $793K |
| Long-term disability(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 907 | $793K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,834 | $9.6M |
| Other(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 907 | $819K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,834 | — |
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.