| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.85% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 9909 MIRA MESA BLVD STE 160 SAN DIEGO, CA 92131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.00% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.41% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD STE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $925 | $0 | $925 | 4.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 NONE | Claims processing; Insurance brokerage commissions and fees; Plan Administrator; Contract Administrator; Other services; Participant communication; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 8220 N 23RD AVE PHOENIX, AZ 85021 | $130K |
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 | 247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 500 | $946K |
| Dental | DELTA DENTAL OF ARIZONA | 514 | $190K |
| Vision | VISION SERVICE PLAN | 193 | $31K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $284K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $284K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $284K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 500 | $925K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 500 | $925K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.