| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF ARIZONA | 8220 N 23RD AVE PHEONIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $250 | $250 | 4.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF WA DBA DIMARTINO A EIN 91-0378940 NONE | Direct payment from the plan; Insurance services; Insurance agents and brokers; Consulting (general); Insurance brokerage commissions and fees Service code 16 | — | $29K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Plan Administrator; Direct payment from the plan Service code 10 | — | $21K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
| ADVISORS HEALTH INSURANCE LLC NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 601 W RIVERSIDE AVE, STE 230 SPOKANE, WA 99201 | $14K |
| EMPLOYEE BENEFIT EXCHANGE, CORP NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 690 E. WARNER RD BLD. 2, STE 109 GILBERT, AZ 85296 | $10K |
| FRANCIS LECLAIRE INSURANCE AGENCY EIN 86-0826440 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $10K |
| MAGNUSON & ASSOCIATES LTD NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 4337 E 5TH STREET TUCSON, AZ 85711 | $9K |
| EMERSON ROGERS, LLC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 0670 N. KOLB RD., SUITE 148 TUSCON, AZ 85715 | $7K |
| VICTORIA STEPHENS NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 8110 S HOUGHTON RD 158-198 TUCSON, AZ 85747 | $7K |
| ROGERS BENEFIT GROUP, INC NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 7310 N 16TH ST 226 PHOENIX, AZ 85020 | $6K |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 240 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 240 | $1.2M |
| Vision | VISION SERVICE PLAN | 52 | $4K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 163 | $5K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 240 | $1.2M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 163 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.