| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT K PADGETT3 | P.O. BOX 12235 SCOTTSDALE, AZ 85267 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | $0 | $52K | 7.68% |
| MARY CLISTA HUTZ3 | P.O. BOX 12235 SCOTTSDALE, AZ 85267 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $0 | $17K | 2.56% |
| ROBERT K PADGETT3 Filed as: ROBERT PADGETT | PO BOX 12235 SCOTTSDALE, AZ 852672235 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | $0 | $12K | 7.45% |
| MARY CLISTA HUTZ3 | PO BOX 5481 CAREFREE, AZ 85377 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 2.48% |
| ROBERT K PADGETT3 Filed as: ROBERT K. PADGETT | PO BOX 12235 SCOTTSDALE, AZ 85267 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 11.25% |
| MARY CLISTA HUTZ3 Filed as: MARY C. HUTZ | PO BOX 5481 CAREFREE, AZ 85377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 3.75% |
| ROBERT K PADGETT3 | PO BOX 12235 SCOTTSDALE, AZ 85267 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.18% |
| MARY CLISTA HUTZ3 Filed as: MARY C HUTZ | PO BOX 5481 CAREFREE, AZ 85377 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.06% |
| ROBERT K PADGETT3 Filed as: ROBERT PADGETT | PO BOX 12235 SCOTTSDALE, AZ 852672235 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $2K | $0 | $2K | 7.50% |
| MARY CLISTA HUTZ3 | PO BOX 5481 CAREFREE, AZ 85377 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $541 | $0 | $541 | 2.50% |
| ROBERT K PADGETT3 | 18336 W VERDIN RD GOODYEAR, AZ 85338 | MANAGED HEALTH NETWORK | $568 | $0 | $568 | 5.00% |
| ROBERT K PADGETT3 | P. O. BOX 12235 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | $0 | $405 | 11.26% |
| MARY CLISTA HUTZ3 | P. O. BOX 5481 CAREFREE, AZ 85377 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $135 | $0 | $135 | 3.75% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 263 | $675K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 196 | $176K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 196 | $155K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $44K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.