| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 | 2333 WEST UNIVERSITY DRIVE SUITE 103 TEMPE, AZ 85281 | BLUE CROSS BLUE SHIELD OF ARIZONA | $11K | $600 | $12K | 0.73% |
| GBS ARIZONA INC3 | 2333 WEST UNIVERSITY DRIVE SUITE 103 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 8.48% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP BENEFIT SVCS. OF AZ | 2333 WEST UNIVERSITY DRIVE SUITE 103 TEMPE, AZ 85281 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.11% |
| SUSAN A. POSADA3 Filed as: SUSAN A. POSADA AND OTHER AGENTS | 17 WEST VERNON AVENUE, UNIT 105 PHOENIX, AZ 85003 | AFLAC | $182 | — | $182 | 3.66% |
| GLEN DOUGLAS GABLE3 | 3521 SOUTH CAMELLIA PLACE CHANDLER, AZ 85248 | AFLAC | $122 | $0 | $122 | 2.46% |
| GBS ARIZONA INC3 | 2333 WEST UNIVERSITY DRIVE SUITE 103 TEMPE, AZ 85281 | AFLAC | $99 | $0 | $99 | 1.99% |
| KAREN MARIE JONES3 | 16211 NORTH SCOTTSDALE ROAD PMB 614 SCOTTSDALE, AZ 85254 | AFLAC | $64 | $0 | $64 | 1.29% |
| NANCY ELLEN CARLSON3 | 9506 WEST APPALOOSA DRIVE SUN CITY, AZ 85373 | AFLAC | $41 | $0 | $41 | 0.83% |
| MICHAEL A. TOTTIS3 | 8438 EAST CHAPARRAL ROAD SCOTTSDALE, AZ 85250 | AFLAC | $33 | $0 | $33 | 0.66% |
| JACOB C ECHOLS3 Filed as: JACOB C. ECHOLS | 3850 EAST BASELINE ROAD, SUITE 116 MESA, AZ 85206 | AFLAC | $22 | $0 | $22 | 0.44% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 270 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 270 | $1.7M |
| Vision | VISION SERVICE PLAN | 149 | $21K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $138K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $138K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $138K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 270 | $1.7M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.