| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERWICK INSURANCE GROUP LLC3 | 4576 E CAMP LOWELL DR TUCSON, AZ 85712 | BLUE CROSS BLUE SHIELD OF ARIZONA | $34K | — | $34K | 3.20% |
| HR ADMINISTRATIVE COMPANIES INC3 | 6464 E GRANT RD TUCSON, AZ 85715 | BLUE CROSS BLUE SHIELD OF ARIZONA | $11K | $7K | $19K | 1.75% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.41% |
| BERWICK INSURANCE GROUP LLC3 | 4576 E CAMP LOWELL DR TUCSON, AZ 85712 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $581 | — | $581 | 0.80% |
| HR ADMINISTRATIVE COMPANIES INC3 | 6464 E GRANT RD TUCSON, AZ 85715 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $510 | — | $510 | 0.70% |
| HR ADMINISTRATIVE COMPANIES INC3 Filed as: THE HR ADMINISTRATIVE COMPANIES INC | 6464 E GRANT RD TUCSON, AZ 85715 | METROPOLITAN LIFE INSURANCE COMPANY | $447 | — | $447 | 0.77% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $163 | $163 | 0.28% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $59 | $59 | 0.10% |
| BERWICK INSURANCE GROUP LLC Filed as: BERWICK INSURANCE GROUP, LLC | 4576 E CAMP LOWELL DR TUCSON, AZ 85712 | SOLSTICE BENEFITS, INC | $4K | — | $4K | 10.00% |
| BERWICK INSURANCE GROUP LLC3 | 4576 E CAMP LOWELL DR TUCSON, AZ 85712 | THE NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | — |
| HR ADMINISTRATIVE COMPANIES INC3 | 6464 E GRANT RD TUCSON, AZ 85715 | THE NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | — |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SOLSTICE BENEFITS, INC | 15 | $38K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 112 | $58K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 112 | $58K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $73K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 168 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 112 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.