| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENI.FIT3 | 20343 NORTH HAYDEN ROAD SUITE 102-231 SCOTTSDALE, AZ 85255 | AMERICA'S TPA, INC DBA HEALTHEZ | $21K | — | $21K | 8.98% |
| XPONENT EMPLOYER SOLUTIONS INC3 Filed as: XPONENT | 14500 NORTH NORTHSIGHT BOULEVARD SCOTTSDALE, AZ 85260 | AMERICA'S TPA, INC DBA HEALTHEZ | $21K | — | $21K | 8.98% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | 6245 NORTH 24TH PARKWAY SUITE 201 PHOENIX, AZ 85016 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 7.94% |
| JOHNSON BRYANT CORPORATION3 | 6245 NORTH 24TH PARKWAY SUITE 201 PHOENIX, AZ 85016 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.48% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L JOHNSON & ASSOC, INC. | 3850 EAST BASELINE ROAD SUITE 121 MESA, AZ 85206 | VISION SERVICE PLAN | $690 | — | $690 | 3.89% |
| ARIZONA BENEFIT CONSULTANTS LLC3 Filed as: ARIZONA BENEFIT CONSULTANTS, LLC | 6245 NORTH 24TH PARKWAY SUITE 201 PHOENIX, AZ 85016 | VISION SERVICE PLAN | $338 | — | $338 | 1.90% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICA'S TPA, INC DBA HEALTHEZ | 99 | $234K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 399 | $129K |
| Vision | VISION SERVICE PLAN | 108 | $18K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 399 | $129K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 399 | $129K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 399 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.