| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INS ADVISORS, LLC | 7901 NORTH 16TH STREET, SUITE 100 PHOENIX, AZ 85020 | BLUE CROSS BLUE SHIELD OF ARIZONA | $28K | $0 | $28K | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF ARIZONA | $8K | $0 | $8K | 1.16% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INS ADVISORS, LLC | 7901 NORTH 16TH STREET, SUITE 100 PHOENIX, AZ 85020 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $314 | $4K | 9.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7202 EAST ROSEWOOD, SUITE 200 TUCSON, AZ 85710 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.34% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $529 | $0 | $529 | 1.38% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $121 | $0 | $121 | 0.32% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INS ADVISOR | 7901 NORTH 16TH STREET, SUITE 200 PHOENIX, MD 85020 | VISION SERVICE PLAN | $612 | $0 | $612 | 8.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 741259 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $117 | $0 | $117 | 1.62% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $36 | $0 | $36 | 0.50% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 106 | $713K |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 106 | $713K |
| Vision | VISION SERVICE PLAN | 62 | $7K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $38K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $38K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $38K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 106 | $713K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.