| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITMALL3 | 5090 NORTH 40TH STREET SUITE 100 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $15K | $31K | 6.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL, STE A220 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $15K | $22K | 4.87% |
| BENEFITMALL3 | 5090 NORTH 40TH STREET SUITE 100 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $5K | $11K | 6.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL STE. 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $6K | $8K | 5.26% |
| BENEFITMALL3 | 5090 NORTH 40TH STREET SUITE 100 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $5K | $10K | 6.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL STE. 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $5K | $8K | 5.19% |
| BENEFITMALL3 | 5090 NORTH 40TH STREET SUITE 100 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $1K | $2K | 6.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERV | 7272 E INDIAN SCHOOL STE. 415 SCOTTSDALE, AZ 85251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $544 | $1K | $2K | 5.22% |
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 | 2,294 | 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) | 2,294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 856 | $174K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,147 | $142K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,294 | $458K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 703 | $146K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,502 | $160K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 856 | $174K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,294 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,294 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.