| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 2333 WEST UNIVERSITY BOULEVARD TEMPE, AZ 85281 | BANNER HEALTH AND AETNA HEALTH | $0 | $33K | $33K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | PO BOX 730054 DALLAS, TX 75373 | BANNER HEALTH AND AETNA HEALTH | — | $25K | $25K | 2.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | PO BOX 730054 DALLAS, TX 75373 | AETNA LIFE INSURANCE COMPANY | $3K | $5K | $8K | 11.00% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 2333 WEST UNIVERSITY BOULEVARD TEMPE, AZ 85281 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.65% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 400 EAST RIVULON BOULEVARD SUITE 116 GILBERT, AZ 85297 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 11.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | STANDARD INSURANCE COMPANY | $574 | $0 | $574 | 1.27% |
| ROBERT GERSHKOWITZ3 | 4900 NORTH SCOTTSDALE ROAD SUITE 4000 SCOTTSDALE, AZ 85251 | STANDARD INSURANCE COMPANY | $246 | $0 | $246 | 0.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 7.07% |
| ROBERT GERSHKOWITZ3 | 4900 NORTH SCOTTSDALE ROAD SUITE 4000 SCOTTSDALE, AZ 85251 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.95% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 2333 WEST UNIVERSITY BOULEVARD SUITE C103 TEMPE, AZ 85281 | STANDARD INSURANCE COMPANY | $821 | $0 | $821 | 2.98% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA, INC. | 2333 WEST UNIVERSITY BOULEVARD SUITE C-103 TEMPE, AZ 85281 | METROPOLITAN LIFE INSURANCE COMPANY | $668 | $0 | $668 | 6.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | PO BOX 730054 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | $454 | $0 | $454 | 4.44% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BANNER HEALTH AND AETNA HEALTH | 179 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 204 | $74K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $10K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 116 | $73K |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 116 | $73K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 116 | $73K |
| Prescription drug | BANNER HEALTH AND AETNA HEALTH | 179 | $1.1M |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 117 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.