| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD, #600 SCOTTSDALE, AZ 85254 | BLUE CROSS BLUE SHIELD OF ARIZONA | $20K | $404 | $21K | 4.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 11201 N TATUM BLVD #300 PHOENIX, AZ 85028 | GUARDIAN LIFE INS COMPANY | $7K | $0 | $7K | 6.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | GUARDIAN LIFE INS COMPANY | $654 | $0 | $654 | 0.67% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DRISCOLL & COMPANY INC | 5050 N 40TH ST #350 PHOENIX, AZ 85018 | GUARDIAN LIFE INS COMPANY | $134 | $0 | $134 | 0.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD, #600 SCOTTSDALE, AZ 85254 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.51% |
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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 58 | $426K |
| Dental | GUARDIAN LIFE INS COMPANY | 92 | $97K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 92 | $523K |
| Life insurance | GUARDIAN LIFE INS COMPANY | 92 | $97K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 29 | $42K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 29 | $42K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 58 | $426K |
| Other | GUARDIAN LIFE INS COMPANY | 92 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 92 | — |
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.