| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PERFORMANCE INSURANCE BENEFITS3 Filed as: PERFORMANCE INSURANCE BENEFITS INC | 20827 N CAVE CREEK RD, STE 102 PHOENIX, AZ 85024 | BLUE CROSS BLUE SHIELD OF ARIZONA | $21K | — | $21K | 5.12% |
| PERFORMANCE INSURANCE BENEFITS3 | 20827 N. CAVE CREEK RD STE 102 PHOENIX, AZ 85024 | GUARDIAN | $7K | $209 | $7K | 11.71% |
| OPTIBEN LLC3 | 377 HWY 21, SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $262 | $3K | 21.85% |
| PERFORMANCE INSURANCE BENEFITS3 Filed as: PERFORMANCE INSURANCE BENEFITS, INC | 20827 N CAVE CREEK RD, SUITE 102 PHOENIX, AZ 85024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.20% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $639 | — | $639 | 5.00% |
| OPTIBEN LLC3 | 377 HWY 21, SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $132 | $1K | 22.08% |
| PERFORMANCE INSURANCE BENEFITS3 Filed as: PERFORMANCE INSURANCE BENEFITS, INC | 20827 N CAVE CREEK RD, SUITE 102 PHOENIX, AZ 85024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $593 | — | $593 | 10.20% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $291 | — | $291 | 5.00% |
| OPTIBEN LLC3 | 377 HWY 21, SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $172 | $1K | 23.20% |
| PERFORMANCE INSURANCE BENEFITS3 Filed as: PERFORMANCE INSURANCE BENEFITS, INC | 20827 N CAVE CREEK RD, SUITE 102 PHOENIX, AZ 85024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $517 | — | $517 | 10.19% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $254 | — | $254 | 5.01% |
| OPTIBEN LLC3 | 377 HWY 21, SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $687 | $130 | $817 | 23.53% |
| PERFORMANCE INSURANCE BENEFITS3 Filed as: PERFORMANCE INSURANCE BENEFITS, INC | 20827 N CAVE CREEK RD, SUITE 102 PHOENIX, AZ 85024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $354 | — | $354 | 10.20% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $174 | — | $174 | 5.01% |
| OPTIBEN LLC3 | 377 HWY 21, SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $403 | — | $403 | 30.01% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $67 | — | $67 | 4.99% |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 88 | $407K |
| Dental | GUARDIAN | 106 | $58K |
| Vision | GUARDIAN | 106 | $58K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 106 | $71K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 12 | $6K |
| Long-term disability | GUARDIAN | 106 | $58K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 88 | $407K |
| Other(4 contracts, 2 carriers) | GUARDIAN | 106 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.