| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 345 CALIFORNIA STREET, 20TH FLOOR SAN FRANCISCO, CA 94104 | BLUE CROSS BLUE SHIELD OF ARIZONA | $26K | $0 | $26K | 2.92% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF ARIZONA | $15K | $0 | $15K | 1.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 NORTH SCOTTSDALE ROAD SUITE 600 SCOTTSDALE, AZ 85254 | BLUE CROSS BLUE SHIELD OF ARIZONA | $3K | $0 | $3K | 0.36% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY LLC | UNKNOWN ATLANTA, GA 30339 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $269 | $3K | 3.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | UNKNOWN DALLAS, TX 75373 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $128 | $2K | 3.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | 525 MARKET STREET, SUITE 3400 SAN FRANCISCO, CA 94105 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.37% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $0 | $281 | $281 | 0.45% |
| ENROLLEASE3 Filed as: ONE DIGITAL | UNKNOWN ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $603 | $0 | $603 | 6.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | PO BOX 730054 DALLAS, TX 75373 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $473 | $0 | $473 | 5.15% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 146 | $894K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 179 | $64K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 164 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 123 | $62K |
| Short-term disability | STANDARD INSURANCE COMPANY | 123 | $62K |
| Long-term disability | STANDARD INSURANCE COMPANY | 123 | $62K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 146 | $894K |
| Other | STANDARD INSURANCE COMPANY | 123 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.