| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESECO INSURANCE ADVISORS LLC3 | 7901 N 16TH ST., STE. 100 PHOENIX, AZ 85020 | BLUE CROSS BLUE SHIELD OF ARIZONA | $63K | — | $63K | 8.30% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BLUE CROSS BLUE SHIELD OF ARIZONA | $59K | — | $59K | 7.71% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HWY 34, BLDG. C2 MANASQUAN, NJ 08736 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | — | $20K | 4.55% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 2.50% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INS ADVISORS LLC | 7901 N. 16TH ST., STE. 100 PHOENIX, AZ 85020 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 2.05% |
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 | 1,123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 715 | $759K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,394 | $442K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,394 | $442K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,394 | $442K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,394 | $442K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 715 | $759K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 715 | $759K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 1,394 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,394 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.