| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARIZONA BENEFIT CONSULTANTS LLC3 | 6245 N 24TH PKWY STE 201 PHOENIX, AZ 85016 | BLUE CROSS BLUE SHIELD OF ARIZONA | $60K | $0 | $60K | 9.06% |
| GBS ARIZONA INC3 | 2333 W UNIVERSITY DR STC C103 TEMPE, AZ 85281 | BLUE CROSS BLUE SHIELD OF ARIZONA | $7K | $0 | $7K | 0.98% |
| ARIZONA BENEFIT CONSULTANTS LLC3 Filed as: ARIZONA BENEFIT CONSULTANTS | 6245 N 24TH PKWY STE 201 PHOENIX, AZ 85016 | SUNLIFE ASSURANCE COMPANY OF CANADA | $18K | $12K | $30K | 11.22% |
| GBS ARIZONA INC3 | 2333 W UNIVERSITY DR SUITE C-103 TEMPE, AZ 85281 | SUNLIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 2.18% |
| ARIZONA BENEFIT CONSULTANTS LLC3 Filed as: ARIZONA BENEFIT CONSULTANTS, LLC | 6245 N 24TH PKWY STE 201 PHOENIX, AZ 850162030 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BC/BS OF ARIZONA EIN 86-0004538 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $154K |
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 | 299 | 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) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 269 | $660K |
| Dental | SUNLIFE ASSURANCE COMPANY OF CANADA | 299 | $269K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 269 | $686K |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 299 | $269K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 299 | $269K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 299 | $269K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 269 | $660K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 269 | $660K |
| Other | SUNLIFE ASSURANCE COMPANY OF CANADA | 299 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.