| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | BLUE CROSS BLUE SHIELD OF ARIZONA | $17K | — | $17K | 4.00% |
| THE APSELL COMPANY LLC3 | 3441 N. COUNTRY CLUB VISTA PL TUCSON, AZ 85750 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| THE APSELL COMPANY LLC3 | 3441 N. COUNTRY CLUB VISTA PL TUCSON, AK 85750 | EMPLOYERS DENTAL SERVICE | $473 | — | $473 | 5.91% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $353 | — | $353 | 8.43% |
| THE APSELL COMPANY LLC3 | 3441 N. COUNTRY CLUB VISTA PL TUCSON, AZ 85750 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $530 | — | $530 | 20.01% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 68 | $430K |
| Dental | EMPLOYERS DENTAL SERVICE | 54 | $8K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 56 | $4K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $3K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $15K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 68 | $430K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.