| 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 | — | $230 | $230 | 5.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF WA DBA DIMARTINO A EIN 91-0378940 NONE | Consulting (general) Service code 16 | — | $28K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $14K |
| ADVISORS HEALTH INSURANCE LLC | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 601 W RIVERSIDE AVE, STE 230 SPOKANE, WA 99201 | $12K |
| ROGERS BENEFIT GROUP, INC | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 7310 N 16TH ST 226 PHOENIX, AZ 85020 | $11K |
| VICTORIA STEPHENS NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 8110 S HOUGHTON RD 158-198 TUCSON, AZ 85747 | $9K |
| FRANCIS LECLAIRE INSURANCE AGENCY EIN 86-0826440 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $8K |
| MAGNUSON & ASSOCIATES LTD NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 4337 E 5TH STREET TUCSON, AZ 85711 | $7K |
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 | 197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 235 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 235 | $1.1M |
| Vision | VISION SERVICE PLAN | 40 | $4K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 128 | $4K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 235 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.