| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ | 7901 NORTH 16TH STREET PHOENIX, AZ 85020 | BLUE CROSS BLUE SHIELD OF ARIZONA | $83K | — | $83K | 4.94% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 11.06% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ | 2525 EAST ARIZONA BILTMORE CIRCLE SUITE D1 PHOENIX, AZ 85016 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.23% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | — | $2K | 13.22% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ | 7901 NORTH 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $3 | — | $3 | 0.02% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVENUE, SUITE 200 ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $941 | $0 | $941 | 18.25% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | METLIFE LEGAL PLANS | $517 | $0 | $517 | 10.03% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN., INC. | PO BOX 9201 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $258 | $258 | 5.00% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 303 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 303 | $1.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 272 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $140K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $140K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $140K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 303 | $1.7M |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 303 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.