| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | BLUE CROSS BLUE SHIELD OF ARIZONA | $183K | — | $183K | 2.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD., 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | — | $37K | 9.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1345 E. CHANDLER BLVD, BL 1,STE 103 PHOENIX, AZ 85048 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.88% |
| TAMMY A MORGART3 Filed as: TAMMY PEDERSON | 4990 CAMINO DE LOS VIENTOS FLAGSTAFF, AZ 86004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $297 | — | $297 | 0.13% |
| KARA A LANGEVIN3 Filed as: KARA A. LANGEVIN | 3649 HOLLISTER DR. UNIT B LAKE HAVASU, AZ 86406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | — | $251 | 0.11% |
| ERIC PEDERSON3 Filed as: ERIC G PEDERSON | 4990 CAMINO DE LOS VIENTOS FLAGSTAFF, AZ 86004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.03% |
| DEBRA KELLY3 | 6968 DIAMOND BLVD. FLAGSTAFF, AZ 86004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $5K | — | $5K | 7.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $533 | $319 | $852 | 15.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $293 | $181 | $474 | 16.19% |
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 | 818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 611 | $7.0M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 611 | $7.0M |
| Vision | VISION SERVICE PLAN | 512 | $69K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 818 | $603K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 818 | $369K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 8 | $3K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 611 | $7.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 818 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.