| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITMALL3 | DEPT 2027 PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $25K | $36K | 5.62% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 2.79% |
| T & C INC3 Filed as: T&C, INC. | 2211 EAST CAMELBACK ROAD SUITE 802 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 0.41% |
| BENEFITMALL3 | DEPT 2027 PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $9K | $13K | 5.60% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 4.92% |
| BENEFITMALL3 | DEPT 2027 PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $8K | $13K | 7.19% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 6.08% |
| BENEFITMALL3 | DEPT 2027 PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $928 | $2K | $3K | 5.92% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.80% |
| BENEFITMALL3 Filed as: BENEFITMALL 018229 | DEPT 2027 PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $381 | $2K | 20.01% |
| BENEFITMALL3 Filed as: BENEFITMALL 018229 | DEPT 2027 PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $363 | $1K | 20.00% |
| BENEFITMALL3 Filed as: BENEFITMALL 018229 | DEPT 2027 PO BOX 29675 PHOENIX, AZ 85038 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $354 | $1K | 19.99% |
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 | 3,204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,501 | $184K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,958 | $636K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 802 | $177K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,787 | $237K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,958 | $706K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,958 | — |
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.