| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 EAST BELL RD SUITE 110 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD | $55K | — | $55K | 3.01% |
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS SOLUTIONS LLC | 8753 EAST BELL RD SUITE 110 SCOTTSDALE, AZ 85260 | DELTA DENTAL INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 Filed as: PANORAMA RISK & INSSOLUTIONS LLC | 52 S 1ST ST STE 310 SAN JOSE, CA 95113 | DEARBORN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 18.43% |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 243 | $1.8M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 206 | $71K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 101 | $64K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 101 | $64K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 243 | $1.8M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 101 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.