| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARIZONA BENEFIT CONSULTANTS LLC3 | 6245 N 24TH PARKWAY STE 201 PHOENIX, AZ 85016 | BLUE CROSS BLUE SHIELD OF ARIZONA | $71K | $350 | $71K | 6.32% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 7310 N 16TH ST STE 226 PHOENIX, AZ 85020 | BLUE CROSS BLUE SHIELD OF ARIZONA | $23K | — | $23K | 2.07% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE CO | $15K | — | $15K | 13.07% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | — | EQUITABLE FINANCIAL LIFE INSURANCE CO | — | $5K | $5K | 4.57% |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 187 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 187 | $1.1M |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE CO | 233 | $116K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE CO | 233 | $116K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO | 233 | $116K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 187 | $1.1M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE CO | 233 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
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.