| 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 | $100K | $3K | $103K | 11.54% |
| 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 | $20K | $3K | $23K | 11.51% |
| STRUNK INSURANCE GROUP3 | 14425 N 7TH STREET SUITE 102 PHOENIX, AK 85022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 14.98% |
| ROBERT K PADGETT3 | 13683 N HIDDEN VALLEY SPRINGS DRIVE ORO VALLEY, AZ 85755 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| MARY CLISTA HUTZ3 Filed as: MARY C HUTZ | PO BOX 5481 CAREFREE, AZ 85377 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 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 | 14425 N 7TH STREET SUITE 102 PHOENIX, AZ 85022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $585 | $0 | $585 | 14.98% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 326 | $894K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 208 | $211K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 208 | $197K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 305 | $51K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 305 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.