| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIETL & STRUTZ INSURANCE INC.3 Filed as: GIETL & STRUTZ INSURANCE INC | 4582 N FIRST AVE STE 130 TUCSON, AZ 85718 | BCBS OF ARIZONA | $29K | — | $29K | 8.53% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVS | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | BCBS OF ARIZONA | $18K | — | $18K | 5.18% |
| GIETL & STRUTZ INSURANCE INC.3 Filed as: GIETL & STRUTZ, INC. | 4562 N. 1ST AVE. STE. 130 TUCSON, AZ 857188667 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.26% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS. SERVICES | P.O. BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $855 | — | $855 | 1.70% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.89% |
| GIETL & STRUTZ INSURANCE INC.3 Filed as: GIETL & STRUTZ INC | 4562 N 1ST AVE STE 130 TUCSON, AZ 85718 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.06% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 452632886 | PRINCIPAL LIFE INSURANCE COMPANY | $13 | — | $13 | 7.39% |
| GIETL & STRUTZ INSURANCE INC.3 Filed as: GIETL & STRUTZ, INC. | 4562 N. 1ST AVE. STE. 130 TUCSON, AZ 857185667 | PRINCIPAL LIFE INSURANCE COMPANY | $9 | — | $9 | 5.11% |
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 | 302 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBS OF ARIZONA | 233 | $343K |
| Vision(2 contracts, 2 carriers) | BCBS OF ARIZONA | 252 | $372K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 302 | $41K |
| Long-term disability | STANDARD INSURANCE COMPANY | 155 | $50K |
| Prescription drug | BCBS OF ARIZONA | 233 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.