| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENIFIT LLC3 | 425 SOUTH MILL AVENUE, SUITE 401 TEMPE, AZ 85281 | BLUE CROSS BLUE SHIELD ARIZONA | $91K | — | $91K | 5.48% |
| BENIFIT LLC3 | 3145 EAST CHANDLER BOULEVARD SUITE 110-636 PHOENIX, AZ 85048 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $9K | $36K | 17.31% |
| BENIFIT LLC3 | 3145 EAST CHANDLER BOULEVARD SUITE 110-636 PHOENIX, AZ 85048 | AMERITAS LIFE INSURANCE CORP. | $19K | $0 | $19K | 10.00% |
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 | 342 | 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) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD ARIZONA | 444 | $1.7M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 567 | $187K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 567 | $187K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $210K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $210K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $210K |
| Prescription drug | BLUE CROSS BLUE SHIELD ARIZONA | 444 | $1.7M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 646 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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.