| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEBS OF ARIZONA, LLC3 | 5111 N. SCOTTSDALE RD., SUITE 210 SCOTTSDALE, AZ 85250 | EMI (EDUCATORS MUTUAL) | $34K | — | $34K | 5.50% |
| SEBS OF ARIZONA, LLC3 | 5111 N. SCOTTSDALE RD., SUITE 210 SCOTTSDALE, AZ 85250 | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | $5K | — | $5K | 9.08% |
| SEBS OF ARIZONA, LLC3 | 5111 N. SCOTTSDALE RD., SUITE 210 SCOTTSDALE, AZ 85250 | EMI (EDUCATORS MUTUAL) | $3K | — | $3K | 5.50% |
| TOM W. HANNON3 | 2201 E. CAMELBACK RD., SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $4K | $976 | $5K | 10.46% |
| RPS BENEFITS INC3 Filed as: RPS FINANCIAL GROUP, INC. | 5251 W. 116TH PLACE, SUITE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $704 | $168 | $872 | 1.88% |
| NM PHOENIX AZ AGY3 | 2201 E. CAMELBACK RD., SUITE 400 PHOENIX, AZ 85016 | NORTHWESTERN MUTUAL | $71 | $9 | $80 | 0.17% |
| SEBS OF ARIZONA, LLC3 | 5111 N. SCOTTSDALE RD., SUITE 210 SCOTTSDALE, AZ 85250 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 15.47% |
| SEBS OF ARIZONA, LLC3 | 5111 N. SCOTTSDALE RD., SUITE 210 SCOTTSDALE, AZ 85250 | VISION SERVICE PLAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SEBS OF ARIZONA, LLC3 | 5111 N. SCOTTSDALE RD., SUITE 210 SCOTTSDALE, AZ 85250 | TOTAL DENTAL ADMINISTRATORS HEALTH PLAN, INC. | $157 | — | $157 | 6.55% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EMI (EDUCATORS MUTUAL) | 154 | $669K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY DENTAL PLAN | 102 | $55K |
| Vision | VISION SERVICE PLAN INSURANCE COMPANY | 908 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $13K |
| Long-term disability | NORTHWESTERN MUTUAL | 241 | $46K |
| Prescription drug(2 contracts) | EMI (EDUCATORS MUTUAL) | 154 | $669K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 908 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.