| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 Filed as: GBS ARIZONIA, INC. | 2333 WEST UNIVERSITY BOULEVARD SUITE C103 TEMPE, AZ 85281 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 14.64% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA INC. | 2333 WEST UNIVERSITY BOULEVARD SUITE C103 TEMPE, AZ 85281 | TOTAL DENTAL ADMINISTRATORS HEALTH PLAN, INC. | $1K | $0 | $1K | 6.27% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA INC. | 2333 WEST UNIVERSITY BOULEVARD SUITE C103 TEMPE, AZ 85281 | COMPANION LIFE INSURANCE COMPANY GROUP DENTAL INDEMNITY PLAN | $1K | $0 | $1K | 8.45% |
| LEAVITT GROUP3 | 2333 WEST UNIVERSITY DRIVE SUITE C103 TEMPE, AZ 85281 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $989 | $0 | $989 | 10.00% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BANNER HEALTH AND AETNA HEALTH | 114 | $663K |
| Dental(2 contracts, 2 carriers) | TOTAL DENTAL ADMINISTRATORS HEALTH PLAN, INC. | 126 | $36K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 101 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $66K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $66K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $66K |
| Prescription drug | BANNER HEALTH AND AETNA HEALTH | 114 | $663K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.