| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 701 5TH AVE STE 550 SEATTLE, WA 98104 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $783 | $783 | 4.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF WA INC DBA DIMART EIN 91-0378940 NONE | Insurance services; Insurance brokerage commissions and fees; Insurance agents and brokers; Finders' fees / placement fees; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting fees; Direct payment from the plan Service code 15 | — | $108K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Copying and duplicating; Direct payment from the plan; Other commissions; Accounting (including auditing); Recordkeeping fees; Participant communication Service code 10 | — | $63K |
| VIGILANT SERVICES, INC. EIN 93-0877675 SUBSIDIARY OF SPONSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan; Finders' fees / placement fees; Insurance brokerage commissions and fees; Insurance services; Insurance agents and brokers; Consulting (general); Consulting fees Service code 13 | — | $52K |
| MAGNUSON & ASSOCIATES, LTD EIN 26-2814059 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $44K |
| BLACK, GOULD & ASSOCIATES, INC. EIN 86-0396463 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $28K |
| VICTORIA STEPHENS, OLD PUEBLO BENEF NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 8110 S HOUGHTON RD 158-198 TUCSON, AZ 85747 | $23K |
| EMPLOYEE BENEFIT EXCHANGE, CORP. EIN 20-0270427 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $23K |
| ROGERS BENEFIT GROUP, INC. EIN 41-1596522 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $20K |
| ASSUREDPARTNERS OF ARIZONA DBA HEST EIN 36-4883819 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $18K |
| KEN OTT INS, LLC DBA KENDY BENEFIT NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 3041 W KELLER DR ANTHEM, AZ 85086 | $14K |
| ANNA L. HECKATHORNE NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 2820 CARRILLO WAY CARLSBAD, CA 920093026 | $12K |
| CAPITAL FINANCIAL PLC EIN 20-5078854 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $10K |
| CREST INSURANCE GROUP, LLC EIN 85-3775914 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $10K |
| GBS ARIZONA, INC. EIN 20-8695075 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $10K |
| SCHOEDEL & SCHOEDEL, CPAS PLLC EIN 91-0614823 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| PHOENIX HEALTH INSURANCE, LLC EIN 27-2917207 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $8K |
| THE CLEAR GROUP, LLC EIN 81-3105542 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $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 | 547 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 888 | $3.6M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 888 | $3.6M |
| Vision | VISION SERVICE PLAN | 71 | $7K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 571 | $17K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 888 | $3.6M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 571 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 888 | — |
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 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.