| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECO3 | 9089 E. BAHIA DRIVE, SUITE 100 SCOTTSDALE, AZ 85260 | UPMC HEALTH PLAN | $6K | — | $6K | 3.48% |
| BENECO3 | 9089 EASR BAHIA DR. SUITE 100 SCOTTSDALE, AZ 85260 | SUNLIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 9.97% |
| BENECO3 | 9089 E. BAHIA DRIVE, SUITE 100 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $677 | — | $677 | 5.83% |
| BENECO3 | 9089 E BAHIA DR. SUITE 100 SCOTTSDALE, AZ 85260 | UNUM | $527 | — | $527 | 4.83% |
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 | 32 | 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) | 32 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH PLAN | 32 | $174K |
| Dental | SUNLIFE AND HEALTH INSURANCE COMPANY | 32 | $25K |
| Vision | VISION SERVICE PLAN | 32 | $12K |
| Life insurance | UNUM | 32 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.