| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ARIZONA LLC | 4544 E CAMP LOWELL DR STE 1140 TUCSON, AZ 85712 | BLUE CROSS BLUE SHIELD OF ARIZONA | — | $250 | $250 | 0.04% |
| VICTORIA STEPHENS3 | 8110 S HOUGHTON RD STE 158-198 TUCSON, AZ 95747 | BLUE CROSS BLUE SHIELD OF ARIZONA | — | $150 | $150 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| BROWN & BROWN OF WA DBA DIMARTINO A EIN 91-0378940 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $18K |
| ASSURED PARTNERS OF AZ DBA HORIZON NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 7500 N DREAMY DR, SUITE 100 PHOENIX, AZ 85020 | $15K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Accounting (including auditing); Direct payment from the plan Service code 10 | — | $11K |
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 | 58 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 58 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 126 | $649K |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 126 | $649K |
| Vision | VISION SERVICE PLAN | 19 | $1K |
| Life insurance | STANDARD INSURANCE COMPANY | 67 | $4K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 126 | $649K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.