| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 | 400 E RIVULON BLVD SUITE 116 GILBERT, AZ 852970096 | UNITED HEALTHCARE INSURANCE COMPANY | $59K | — | $59K | 6.83% |
| GBS ARIZONA INC3 | 400 E RIVULON BLVD SUITE 116 GILBERT, AZ 852970096 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 8.16% |
| GBS ARIZONA INC3 | 400 E RIVULON BLVD SUITE 116 GILBERT, AZ 852970096 | COLONIAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.89% |
| GBS ARIZONA INC | 400 E RIVULON BLVD SUITE 116 GILBERT, AZ 852970096 | ALLSTATE BENEFITS - AMERICAN HERITAGE LIFE INS CO | $7K | — | $7K | 30.22% |
| GBS ARIZONA INC3 | 100 AMERICAN ROAD BROOKLYN, OH 44144 | EMPLOYEE ASSISTANCE GROUP | $183 | — | $183 | 5.01% |
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 | 291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 291 | $895K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 224 | $158K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 224 | $158K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 224 | $184K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 224 | $180K |
| Long-term disability | COLONIAL LIFE INSURANCE COMPANY | 22 | $26K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 291 | $869K |
| Other | ALLSTATE BENEFITS - AMERICAN HERITAGE LIFE INS CO | 86 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.