| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS INTL AZ INC3 Filed as: EMPLOYEE BENEFITS INT. ARIZONA | 7901 NORTH 16TH, SUITE 200 PHOENIX, AZ 85020 | HARTFORD LIFE AND ACCIDENT | $39K | $0 | $39K | 10.14% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | HARTFORD LIFE AND ACCIDENT | -$74 | $0 | -$74 | -0.02% |
| EMPLOYEE BENEFITS INTL AZ INC3 Filed as: EMPLOYEE BENEFITS INT. ARIZONA | 7901 NORTH 16TH, SUITE 200 PHOENIX, AZ 85020 | DELTA DENTAL OF ARIZONA | $28K | $0 | $28K | 10.10% |
| EMPLOYEE BENEFITS INTL AZ INC3 Filed as: EMPLOYEE BENEFIT INTERNATIONAL | 7901 NORTH 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | TRUSTMARK INSURANCE COMPANY | $25K | $0 | $25K | 21.55% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $19K | $0 | $19K | 16.10% |
| EMPLOYEE BENEFITS INTL AZ INC3 Filed as: EMPLOYEE BENEFITS INT. ARIZONA | 2525 EAST ARIZONA BILTMORE CIRCLE PHOENIX, AZ 85016 | EYEMED | $2K | $0 | $2K | 5.59% |
| EMPLOYEE BENEFITS INTL AZ INC3 Filed as: EMPLOYEE BENEFITS INT. ARIZONA | 7901 NORTH 16TH, SUITE 200 PHOENIX, AZ 85020 | EYEMED | $2K | $0 | $2K | 5.11% |
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 | 568 | 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) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 400 | $276K |
| Vision | EYEMED | 718 | $35K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 568 | $498K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 568 | $380K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 568 | $380K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 568 | $498K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.