| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIETL & STRUTZ INSURANCE INC.3 | 4562 N 1ST AVENUE SUITE 130 TUSCON, AZ 85718 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $3K | $17K | 8.43% |
| GIETL & STRUTZ INSURANCE INC.3 Filed as: GIETL & STRUTZ INSURANCE | 4562 N 1ST AVE STE 130 TUCSON, AZ 857185667 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST STE 234 PHOENIX, AZ 850182151 | VISION SERVICE PLAN | $391 | — | $391 | 2.50% |
| GIETL & STRUTZ INSURANCE INC.3 | 4562 N 1ST AVENUE SUITE 130 TUSCON, AZ 85718 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $179 | $2K | 24.49% |
| GIETL & STRUTZ INSURANCE INC.3 | 4562 N 1ST AVENUE SUITE 130 TUSCON, AZ 85718 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $110 | $2K | 23.99% |
| GIETL & STRUTZ INSURANCE INC.3 | 4562 N 1ST AVENUE SUITE 130 TUSCON, AZ 85718 | METROPOLITAN LIFE INSURANCE CENTER | $1K | $96 | $1K | 19.42% |
| GIETL & STRUTZ INSURANCE INC.3 | 4562 N 1ST AVENUE SUITE 130 TUSCON, AZ 85718 | EMPLOYER DENTAL SERVICES | $327 | — | $327 | 7.77% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $201K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $212K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $196K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $196K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $196K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.