| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONSTADT INSURANCE LLC3 | 6775 CAMINO PRINCIPAL TUCSON, AZ 85715 | BLUE CROSS & BLUE SHIELD OF ARIZONA | $40K | — | $40K | 3.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | BLUE CROSS & BLUE SHIELD OF ARIZONA | $18K | — | $18K | 1.54% |
| RONSTADT INSURANCE LLC3 | 6775 E. CAMINO PRINCIPAL TUCSON, AZ 85715 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 1.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | UNITED HEALTHCARE INSURANCE COMPANY | $672 | — | $672 | 0.45% |
| RONSTADT INSURANCE LLC3 | 6775 E. CAMINO PRINCIPAL TUCSON, AZ 85715 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 11.61% |
| RONSTADT INSURANCE LLC3 | 6775 E. CAMINO PRINCIPAL TUCSON, AZ 85715 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 3.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD, FLOOR 4 ROLLING MEADOWS, IL 60008 | UNION SECURITY INSURANCE COMPANY | $639 | — | $639 | 1.47% |
| RONSTADT INSURANCE LLC3 | 6775 E. CAMINO PRINCIPAL TUCSON, AZ 85715 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | METROPOLITAN LIFE INSURANCE COMPANY | $25 | $4 | $29 | 0.09% |
| RONSTADT INSURANCE LLC3 | 6775 E. CAMINO PRINCIPAL TUCSON, AZ 85715 | UNITED DENTAL CARE OF ARIZONA, INC. | $770 | — | $770 | 3.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD, FLOOR 4 ROLLING MEADOWS, IL 60008 | UNITED DENTAL CARE OF ARIZONA, INC. | $325 | — | $325 | 1.48% |
| RONSTADT INSURANCE LLC3 Filed as: RONSTADT INSURANCE, INC. | 6775 EAST CAMINO PRINCIPAL TUCSON, AZ 85715 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $1K | — | $1K | 7.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1345 E. CHANDLER BLVD. PHOENIX, AZ 85048 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $5 | — | $5 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1900 W LOOP S STE 1600 HOUSTON, TX 77027 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 12.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1345 E. CHANDLER BLVD., BLDG 1-103 PHOENIX, AZ 85048 | METROPOLITAN LIFE INSURANCE COMPANY | $553 | $64 | $617 | 9.69% |
| RONSTADT INSURANCE LLC3 Filed as: RONSTADT INS LLC | 6775 E. CAMINO PRINCIPAL TUCSON, AZ 85715 | METROPOLITAN LIFE INSURANCE COMPANY | $501 | — | $501 | 7.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $85 | $85 | 1.34% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF ARIZONA | 150 | $1.3M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 98 | $65K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF ARIZONA | 183 | $1.2M |
| Life insurance(4 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 268 | $134K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 92 | $93K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $40K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ARIZONA | 150 | $1.2M |
| Other(5 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 268 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.