| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT EXCHANGE CORP3 | 1745 S ALMA SCHOOL RD STE 210 MESA, AZ 85210 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $7K | $0 | $7K | 1.18% |
| PHIL BOBADILLA3 | EMPLOYEE BENEFIT EXCHANGE CORP 2730 S VAL VISTA RD #132 GILBERT, AZ 852950000 | DELTA DENTAL OF ARIZONA | $6K | $0 | $6K | 9.85% |
| EMPLOYEE BENEFIT EXCHANGE CORP3 | 2730 S VAL VISTA DR STE 132 GILBERT, AZ 852950000 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $21K | $0 | $21K | 42.95% |
| PHIL BOBADILLA3 | EMPLOYEE BENEFIT EXCHANGE CORP 2730 S VAL VISTA RD #132 GILBERT, AZ 852950000 | DELTA DENTAL OF ARIZONA | $2K | $0 | $2K | 6.40% |
| SEAN LABORDE3 | M3 INSURNACE SOLUTIONS, INC. 828 JOHN NOLEN DR MADISON, WI 537130000 | DELTA DENTAL OF ARIZONA | $997 | $0 | $997 | 3.71% |
| EMPLOYEE BENEFIT EXCHANGE CORP3 Filed as: EMPLOYEE BENEFIT EXCHANGE | 2730 VAL VISTA DR STE 132 GILBERT, AZ 852951678 | VISION SERVICE PLAN | $763 | — | $763 | 7.34% |
| ASSUREDPARTNERS3 Filed as: EMPLOYEE BENFIT EXCHANGE | 2730 S VAL VISTA RD GILBERT, AZ 852951678 | KANAWHA INSURANCE COMPANY | $1K | $0 | $1K | 15.72% |
| EMPLOYEE BENEFIT EXCHANGE CORP3 Filed as: EMPLOYEE BENEFIT EXCHANGE | 2730 S VAL VISTA DR STE 132 GILBERT, AZ 852951678 | MANHATTAN LIFE | $463 | $0 | $463 | 13.84% |
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 | 84 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF ARIZONA | 105 | $88K |
| Vision | VISION SERVICE PLAN | 82 | $10K |
| Life insurance | KANAWHA INSURANCE COMPANY | 47 | $8K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 47 | $8K |
| Other | MANHATTAN LIFE | 48 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
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.