| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | SUITE 215 501 OFFICE CENTER DR FORT WASHINGTON, PA 19034 | BLUE CROSS BLUE SHIELD OF ARIZONA | $22K | — | $22K | 8.54% |
| FBC SERVICES INC3 | 7639 E PINNACLE PEAK SUITE 100 SCOTTSDALE, AZ 85255 | BLUE CROSS BLUE SHIELD OF ARIZONA | $8K | — | $8K | 3.03% |
| GBS ARIZONA INC3 | 2333 W UNIVERSITYH DR SUITE C103 TEMPE, AZ 85281 | BLUE CROSS BLUE SHIELD OF ARIZONA | $73 | — | $73 | 0.03% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | SUITE 215 501 OFFICE CENTER DR FORT WASHINGTON, PA 19034 | BLUE CROSS BLUE SHIELD OF AZ | $5K | — | $5K | 7.60% |
| FBC SERVICES INC3 | 7639 E PINNACLE PEAK RD SUITE 100 SCOTTSDALE, AZ 85255 | BLUE CROSS BLUE SHIELD OF AZ | $993 | — | $993 | 1.57% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 14201 N 87TH ST SUITE 100 SCOTTSDALE, AZ 85260 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | — |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 194 | $259K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF AZ | 220 | $63K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $0 |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
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.