| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | SUITE 215 501 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | BLUE CROSS BLUE SHIELD OF ARIZONA | $57K | — | $57K | 4.91% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 7639 E PINNACLE PEAK RD #100 SCOTTSDALE, AZ 85255 | DELTA DENTAL OF ARIZONA | $7K | — | $7K | 8.04% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 7639 E PINNACLE PEAK RD STE100 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 20.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.97% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS DBA FBC INS | 7639 E PINNACLE PEAK RD STE 100 SCOTTSDALE, AZ 85255 | VISION SERVICE PLAN | $1K | — | $1K | 4.78% |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 147 | $1.2M |
| Dental | DELTA DENTAL OF ARIZONA | 172 | $91K |
| Vision | VISION SERVICE PLAN | 106 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.