| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | 8220 N 23RD AVENUE PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $286 | $286 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF WA INC. DBA DIMART EIN 91-0378940 NONE | Consulting fees; Finders' fees / placement fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Direct payment from the plan; Insurance agents and brokers Service code 15 | — | $67K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Direct payment from the plan; Accounting (including auditing); Other commissions; Contract Administrator; Copying and duplicating; Recordkeeping fees; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | — | $34K |
| VIGILANT SERVICES, INC. EIN 93-0877675 SUBSIDIARY OF SPONSOR | Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Insurance services; Direct payment from the plan; Consulting fees; Insurance brokerage commissions and fees; Insurance agents and brokers; Finders' fees / placement fees Service code 13 | — | $29K |
| MAGNUSON & ASSOCIATES, LTD EIN 26-2814059 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $24K |
| NFP CA INSURANCE SERVICES, INC. EIN 94-2741175 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $12K |
| RESECO INSURANCE ADVISORS, LLC EIN 45-3989660 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $11K |
| ROGERS BENEFIT GROUP, INC. EIN 41-1596522 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $10K |
| EMPLOYEE BENEFIT EXCHANGE, CORP. EIN 20-0270427 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $9K |
| MARK J. MATSOCK & ASSOCIATES, INC. EIN 86-0535969 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $9K |
| NFP CORPORATE SERVICES OH, INC. EIN 31-1244702 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $9K |
| PATRIOT GROWTH INSURANCE SERVICES D EIN 83-1217761 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $9K |
| SCHOEDEL & SCHOEDEL, CPAS PLLC EIN 91-0614823 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $8K |
| BLACK, GOULD & ASSOCIATES, INC. EIN 86-0396463 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $7K |
| VECTOR FINANCIAL EIN 46-1842140 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $7K |
| HALSI ENTERPRISES, INC. EIN 86-0725067 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $6K |
| ADVISORS HEALTH INSURANCE, LLC NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 3246 E DONALD DRIVE PHOENIZ, AZ 85050 | $5K |
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 | 314 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 420 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 420 | $2.0M |
| Vision | VISION SERVICE PLAN | 84 | $9K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 379 | $11K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 420 | $2.0M |
| Other | STANDARD INSURANCE COMPANY | 100 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.