| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRUNK INSURANCE GROUP3 | 14425 N 7TH STREET SUITE 102 PHOENIX, AZ 85022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $67K | $0 | $67K | 8.40% |
| STRUNK INSURANCE GROUP3 Filed as: STRUNK INSURANCE GROUP INC. | 14425 N 7TH STREET SUITE 102 PHOENIX, AZ 85022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | $0 | $17K | 9.94% |
| STRUNK INSURANCE GROUP3 | 14425 N 7TH STREET SUITE 102 PHOENIX, AK 85022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 15.00% |
| ROBERT K PADGETT3 | PO BOX 12235 SCOTTSDALE, AZ 85267 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 15.00% |
| MARY CLISTA HUTZ3 Filed as: MARY C HUTZ | PO BOX 5481 CAREFREE, AZ 85377 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| STRUNK INSURANCE GROUP3 | 14425 N 7TH ST SUITE 102 PHOENIX, AZ 85022 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $1K | $0 | $1K | 10.00% |
| STRUNK INSURANCE GROUP3 Filed as: STRUNK INSURANCE GROUP, INC. | 14425 N. 7TH STREET #102 PHOENIX, AZ 85022 | MANAGED HEALTH NETWORK | $380 | $0 | $380 | 5.01% |
| STRUNK INSURANCE GROUP3 | 14425 N 7TH STREET SUITE 102 PHOENIX, AZ 85022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $548 | $0 | $548 | 15.01% |
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 | 320 | 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) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 261 | $792K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 183 | $188K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 183 | $174K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 281 | $48K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 281 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.