| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECO3 | 8655 E VIA DE VENTURA SUITE G-200 SCOTTSDALE, AZ 85258 | BLUE SHIELD OF CALIFORNIA | $3K | — | $3K | 7.26% |
| BENECO3 | 8655 E VIA DE VENTURA SUITE G-200 SCOTTSDALE, AZ 85258 | SUNLIFE & HEALTH INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| BENECO3 | 8655 E VIA DE VENTURA SUITE G-200 SCOTTSDALE, AZ 85258 | VISION SERVICE PLAN | $340 | — | $340 | 33.17% |
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 | 4 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 4 | $45K |
| Dental | SUNLIFE & HEALTH INSURANCE COMPANY | 4 | $3K |
| Vision | VISION SERVICE PLAN | 4 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.