| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 7639 E PINNACLE PEAK ROAD SCOTTSDAL SCOTTSDALE, AZ 85255 | BANNER HEALTH AND AETNA HEALTH | — | $32K | $32K | 3.57% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 7639 E PINNACLE PEAK RD SUITE 100 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 17.10% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 7639 E PINNACLE PEAK ROAD SCOTTSDALE, AZ 85255 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.38% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 7639 E PINNACLE PEAK ROAD SCOTTSDAL SCOTTSDALE, AZ 85255 | AETNA LIFE INSURANCE CO. | — | $4K | $4K | 61.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES EIN 83-1204744 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 7639 E PINNACLE PEAK ROAD SCOTTSDALE, AZ 85255 | $33K |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BANNER HEALTH AND AETNA HEALTH | 186 | $914K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $72K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $72K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $73K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.