| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS ARIZONA INC3 | 2333 W UNIVERSITY DR SUITE C103 TEMPE, AZ 85251 | BLUE CROSS BLUE SHIELD OF ARIZONA | $50K | — | $50K | 5.58% |
| COLONIAL LIFE & ACCIDENT4 Filed as: COLONIAL LIFE & ACCIDENT INSURANCE | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $417 | $14K | 14.98% |
| GBS ARIZONA INC3 | 2333 W UNIVERSITY DR SUITEC103 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.22% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 123 | $903K |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 123 | $903K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 90 | $117K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $21K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 123 | $903K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.