| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIONEER EMPLOYEE BENEFITS LLC3 | 8615 E CORRINE DRIVE SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $550 | — | $550 | 0.01% |
| SONORAN BENEFITS LLC3 | 14107 N 107TH ST SCOTTSDALE, AZ 85255 | BLUE CROSS BLUE SHIELD OF ARIZONA | $250 | — | $250 | 0.01% |
| MAGNUSON & ASSOCIATES LTD3 | 4337 E 5TH STREET TUCSON, AZ 85711 | BLUE CROSS BLUE SHIELD OF ARIZONA | $150 | — | $150 | 0.00% |
| ADVISORS HEALTH INSURANCE3 | 3246 E DONALD DRIVE PHOENIX, AZ 85050 | BLUE CROSS BLUE SHIELD OF ARIZONA | $150 | — | $150 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF WA, INC. EIN 91-0378940 NONE | Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance brokerage commissions and fees; Consulting fees; Insurance agents and brokers; Finders' fees / placement fees; Direct payment from the plan Service code 15 | — | $172K |
| ARIZONA TECHNOLOGY COUNCIL EIN 86-0684848 SPONSOR | Other services; Finders' fees / placement fees; Participant communication; Direct payment from the plan; Other fees Service code 38 | — | $110K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Contract Administrator; Copying and duplicating; Accounting (including auditing); Recordkeeping fees; Other commissions; Direct payment from the plan Service code 10 | — | $82K |
| BLACK GOULD & ASSOCIATES EIN 86-0396463 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $63K |
| ROGERS BENEFIT GROUP, INC. EIN 41-1596522 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $40K |
| CAPITAL FINANCIAL, PLC EIN 20-5078854 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $26K |
| MARK J. MATSOCK & ASSOCIATES, INC. EIN 86-0535969 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $23K |
| BROWN & BROWN INSURANCE OF AZ EIN 86-0173773 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $23K |
| PIONEER EMPLOYEE BENEFITS, LLC EIN 84-2248426 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $21K |
| HORIZON BENEFITS GROUP EIN 86-0358074 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $18K |
| SCHOEDEL & SCHOEDEL, CPAS PLLC EIN 91-0614823 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $15K |
| ROSENBLATT INSURANCE SERVICES, INC. EIN 86-0609146 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $11K |
| PACIFIC COAST BENEFITS INSURANCE SE EIN 26-4465846 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $10K |
| CORPORATE BENEFIT SOLUTIONS, LLC EIN 27-5435615 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | — | $10K |
| BENEFITS GALLERY, LLC EIN 46-1751363 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $8K |
| ANNA L. HECKATHORNE NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2820 CARRILLO WAY CARLSBAD, CA 92009 | $8K |
| EMPLOYEE BENEFIT EXCHANGE CORP. EIN 20-0270427 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $7K |
| GBS ARIZONA, INC. EIN 20-8695075 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $6K |
| ACRISURE LLC DBA STRATEGIC WELLNESS EIN 26-3554645 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $6K |
| MAGNUSON & ASSOCIATES LTD EIN 26-2814059 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $6K |
| PCF INSURANCE SERVICES OF THE WEST EIN 82-1368960 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $6K |
| WELLSPRING FAMILY SERVICES EAP EIN 91-0567261 NONE | Plan Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $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 | 776 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,137 | $4.6M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,137 | $4.6M |
| Vision | VISION SERVICE PLAN | 292 | $37K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,137 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,137 | — |
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.