| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | BLUE CROSS BLUE SHIELD OF ARIZONA | $52K | — | $52K | 5.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 2800 N CENTRAL AVE, STE 1100 PHOENIX, AZ 85004 | DENTAL DENTAL OF ARIZONA | $7K | — | $7K | 9.94% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $680 | $900 | $2K | 2.77% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $787 | $787 | 1.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA | 2800 N CENTRAL AVE #1100 PHOENIX, AZ 85004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $461 | — | $461 | 0.81% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $229 | $229 | 0.40% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $294 | $376 | $670 | 2.68% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $344 | $344 | 1.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA | 2800 N CENTRAL AVE #1100 PHOENIX, AZ 85004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $205 | — | $205 | 0.82% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $103 | $103 | 0.41% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $275 | $328 | $603 | 2.69% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $311 | $311 | 1.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA | 2800 N CENTRAL AVE #1100 PHOENIX, AZ 85004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $173 | — | $173 | 0.77% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $83 | $83 | 0.37% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $255 | $355 | $610 | 2.76% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $303 | $303 | 1.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA | 2800 N CENTRAL AVE #1100 PHOENIX, AZ 85004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $186 | — | $186 | 0.84% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $95 | $95 | 0.43% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | VISION SERVICE PLAN | — | $751 | $751 | 6.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $665 | — | $665 | 5.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA | 2800 N CENTRAL AVE #1100 PHOENIX, AZ 85004 | VISION SERVICE PLAN | $422 | — | $422 | 3.37% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37 | $40 | $77 | 2.61% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $41 | $41 | 1.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA | 2800 N CENTRAL AVE #1100 PHOENIX, AZ 85004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22 | — | $22 | 0.74% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10 | $10 | 0.34% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 179 | $875K |
| Dental | DENTAL DENTAL OF ARIZONA | 180 | $70K |
| Vision | VISION SERVICE PLAN | 88 | $13K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $47K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 52 | $57K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 179 | $875K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.