| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARRY L JOHNSON & ASSOCIATES INC3 | 3850 E BASELINE RD MESA, AZ 85206 | BLUE CROSS BLUE SHIELD OF ARIZONA | $38K | — | $38K | 4.03% |
| JEFFEREY PAUL GRIFFIN | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF ARIZONA | $37 | — | $37 | 0.00% |
| GARRY L JOHNSON & ASSOCIATES INC3 | 3850 E BASELINE RD MESA, AZ 85206 | ONE AMERICA | $9K | — | $9K | 11.69% |
| GARRY L JOHNSON & ASSOCIATES INC3 | 3850 E BASELINE RD MESA, AZ 85206 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 9.83% |
| JEFFEREY PAUL GRIFFIN3 | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.48% |
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 | 202 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 202 | $935K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $72K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $72K |
| Life insurance | ONE AMERICA | 179 | $81K |
| Short-term disability | ONE AMERICA | 179 | $81K |
| Long-term disability | ONE AMERICA | 179 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
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.