| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBC SERVICES INC3 | 14201 N 87TH ST STE D141 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $65K | $0 | $65K | 15.64% |
| FBC SERVICES INC3 Filed as: FBC SERVICES | 14201 N 87TH ST STE D141 SCOTTSDALE, AZ 85260 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.68% |
| FBC SERVICES INC3 Filed as: FBC SERVICES | 14201 N 87TH ST STE D141 SCOTTSDALE, AZ 85260 | STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.72% |
| FBC SERVICES INC3 Filed as: FBC SERVICES | 14201 N 87TH ST STE D141 SCOTTSDALE, AZ 85260 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 6.12% |
| FBC SERVICES INC3 Filed as: FBC SERVICES | 14201 N 87TH ST STE D141 SCOTTSDALE, AZ 85260 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 11.31% |
| FBC SERVICES INC3 Filed as: FBC SERVICES | 14201 N 87TH ST STE D141 SCOTTSDALE, AZ 85260 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 191 | $416K |
| Dental | STANDARD INSURANCE COMPANY | 151 | $87K |
| Vision | STANDARD INSURANCE COMPANY | 138 | $17K |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 357 | $53K |
| Short-term disability | STANDARD INSURANCE COMPANY | 260 | $47K |
| Long-term disability | STANDARD INSURANCE COMPANY | 80 | $32K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 191 | $416K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 191 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.