| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | BLUE CROSS BLUE SHIELD OF ARIZONA | $67K | $0 | $67K | 4.59% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $15K | 9.29% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 13.10% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.66% |
| CASSANDRA GREEN4 Filed as: CASSANDRA PRINKE | 25825 NORTH MOON BLOSSUM LANE PHOENIX, AZ 85083 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $650 | $0 | $650 | 23.03% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 312 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $160K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $160K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $95K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $95K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $95K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 312 | $1.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.