| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SALLY COKER3 | 38275 N. 103RD PLACE SCOTTSDALE, AZ 85262 | CIGNA HEALTH AND LIFE INSURANCE COMPANYAND AFFILIATES | $59K | — | $59K | 5.31% |
| SALLY COKER3 | 38275 N 103RD PLACE SCOTTSDALE, AZ 85262 | PACIFICSOURCE HEALTH PLANS | $14K | $375 | $14K | 5.65% |
| SALLY COKER3 | 38275 N 103RD PLACE SCOTTSDALE, AZ 85262 | CIGNA HEALTHCARE OF CALIFORNIA, INC. | $10K | — | $10K | 5.00% |
| SALLY COKER3 | 38257 N 103RD PLACE SCOTTSDALE, AZ 85262 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | 10.63% |
| SALLY COKER3 | 38275 N 103RD PLACE SCOTTSDALE, AZ 85262 | EYE MED VISION PLAN | $2K | — | $2K | 9.82% |
| SALLY COKER3 | 38275 N. 103RD PLACE SCOTTSDALE, AZ 85262 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $310 | — | $310 | 9.96% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANYAND AFFILIATES | 166 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANYAND AFFILIATES | 166 | $1.1M |
| Vision | EYE MED VISION PLAN | 268 | $17K |
| Life insurance(2 contracts) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 385 | $61K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.