| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 7639 E PINNACLE PEAK ROAD SCOTTSDALE, AZ 85255 | BANNER HEALTH AND AETNA HEALTH | — | $10K | $10K | 1.09% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 7639 E PINNACLE PEAK RD #100 SCOTTSDALE, AZ 85255 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.51% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 7639 E PINNACLE PEAK 100 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $499 | $2K | 7.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $399 | $399 | 1.78% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 7639 E PINNACLE PEAK RD 100 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $166 | $1K | 17.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICER CENTER DR 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $133 | $133 | 1.87% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 7639 E PINNACLE PEAK ROAD SCOTTSDALE, AZ 85255 | AETNA LIFE INSURANCE CO. | — | $3K | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES EIN 83-1204744 BROKER | Insurance agents and brokers Service code 22 | 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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BANNER HEALTH AND AETNA HEALTH | 203 | $925K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $71K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $71K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.