| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA, LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | $88K | $35K | $124K | 7.10% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA, LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | $77K | $10K | $87K | 18.61% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 14614 N KIERLAND BLVD SUITE 15 SCOTTSDALE, AZ 85254 | VISION SERVICE PLAN | $31K | — | $31K | 11.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 14614 N KIERLAND BLVD STE 15 SCOTTSDALE, AZ 85254 | VISION SERVICE PLAN | $21K | — | $21K | 7.67% |
| WATCH TOWER TECHNOLOGIES INC3 Filed as: WATCH TOWER TECHNOLOGIES, INC. | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $5K | — | $5K | 1.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVSHEALTH EIN 05-0340626 RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $7.8M |
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.7M |
| DELTA DENTAL OF ARIZONA EIN 86-0274899 DENTAL ADMIN | Claims processing; Contract Administrator Service code 12 | — | $90K |
| WEX INC. EIN 01-0526993 FSA/COBRA ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $37K |
| ASSUREDPARTNERS OF ARIZONA EIN 36-4883819 BROKER | Other commissions Service code 55 | — | $0 |
| ASSUREDPARTNERS OF ARIZONA, LLC BROKER | Insurance agents and brokers Service code 22 | 4544 E CAMP LOWELL DR TUSCON, AZ 85712 | $0 |
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 | 6,470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 165 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,484 | $269K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 6,470 | $1.7M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 6,470 | $1.7M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 6,470 | $1.7M |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 6,936 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,936 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.