| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESECO INSURANCE ADVISORS LLC3 | 7901 N 16TH STREET STE 100 PHOENIX, AZ 85020 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $37K | $37K | 3.86% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC - ARIZONA | 7310 N 16TH STREET STE 226 PHOENIX, AZ 85020 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.07% |
| RESECO INSURANCE ADVISORS LLC3 Filed as: RESECO INSURANCE ADVISORS | 7901 N 16TH STREET STE 100 PHOENIX, AZ 85020 | PRINCIPAL LIFE INSURANCE CARRIER | $7K | $292 | $7K | 6.36% |
| FBC SERVICES INC3 Filed as: FBC SERVICES | 14201 N 87TH ST D141 SCOTTSDALE, AZ 85260 | PRINCIPAL LIFE INSURANCE CARRIER | $5K | — | $5K | 3.92% |
| RESECO INSURANCE ADVISORS LLC3 | 7901 N 16TH STREET #100 PHOENIX, AZ 85020 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $6 | — | $6 | 0.05% |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $957K |
| Dental | PRINCIPAL LIFE INSURANCE CARRIER | 152 | $115K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 162 | $12K |
| Life insurance | PRINCIPAL LIFE INSURANCE CARRIER | 152 | $115K |
| Short-term disability | PRINCIPAL LIFE INSURANCE CARRIER | 152 | $115K |
| Long-term disability | PRINCIPAL LIFE INSURANCE CARRIER | 152 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
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.