| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBC SERVICES INC3 Filed as: FBC SERVICES INC. | 14201 NORTH 87TH STREET SUITE D141 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $27K | — | $27K | 3.51% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 3900 EAST CAMELBACK ROAD SUITE 225 PHOENIX, AZ 85018 | BLUE CROSS BLUE SHIELD OF ARIZONA | $12K | — | $12K | 1.51% |
| FBC SERVICES INC3 Filed as: FBC SERVICES INC. | 14201 NORTH 87TH STREET SUITE D-141 SCOTTSDALE, AZ 852603683 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 3.32% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 2730 EAST CAMELBACK ROAD SUITE 250 PHOENIX, AZ 850164307 | AMERITAS LIFE INSURANCE CORP. | $569 | — | $569 | 0.86% |
| FBC SERVICES INC3 Filed as: FBC SERVICES INC. | 14201 NORTH 87TH STREET SUITE D141 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $739 | — | $739 | 10.43% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $150 | — | $150 | 2.12% |
| FBC SERVICES INC3 Filed as: FBC SERVICES INC. | 14201 NORTH 87TH STREET SUITE D141 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $604 | — | $604 | 10.66% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $130 | — | $130 | 2.29% |
| FBC SERVICES INC3 Filed as: FBC SERVICES INC. | 14201 NORTH 87TH STREET SUITE D141 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $549 | — | $549 | 12.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $137 | — | $137 | 2.99% |
| FBC SERVICES INC3 Filed as: FBC SERVICES INC. | 14201 NORTH 87TH STREET SUITE D141 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $468 | — | $468 | 12.28% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $104 | — | $104 | 2.73% |
| FBC SERVICES INC3 Filed as: FBC SERVICES INC. | 14201 NORTH 87TH STREET SUITE D141 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $427 | — | $427 | 12.00% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $107 | — | $107 | 3.01% |
| FBC SERVICES INC3 Filed as: FBC SERVICES INC. | 14201 NORTH 87TH STREET SUITE D141 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $133 | — | $133 | 11.96% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33 | — | $33 | 2.97% |
| FBC SERVICES INC3 Filed as: FBC SERVICES INC. | 14201 NORTH 87TH STREET SUITE D141 SCOTTSDALE, AZ 85260 | UNITED DENTAL CARE OF ARIZONA | $43 | — | $43 | 4.23% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 9225 PRIORITY WAY WEST DRIVE SUITE 100 INDIANAPOLIS, IN 46240 | UNITED DENTAL CARE OF ARIZONA | $28 | — | $28 | 2.75% |
| FBC SERVICES INC3 Filed as: FBC SERVICES INC. | 14201 NORTH 87TH STREET SUITE D141 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20 | — | $20 | 12.27% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5 | — | $5 | 3.07% |
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 | 113 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 97 | $774K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 184 | $67K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 184 | $841K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $11K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12 | $9K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12 | $6K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 97 | $774K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
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.