| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARIZONA BENEFIT CONSULTANTS LLC3 | 6245 N 24TH PKWY STE 201 PHOENIX, AZ 850162030 | PRINCIPAL LIFE INSURANCE COMPANY | $43K | — | $43K | 10.85% |
| ARIZONSA BENEFIT CONSULTANTS LLC3 | 6245 N 24TH PKWY STE 201 PHOENIX, AZ 850162030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 15.15% |
| DONALD MOLLIHAN3 | ATTN ARIZONA BENEFIT CON 6245 N 24TH PARKWAY STE 201 PHOENIX, AZ 850162030 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.76% |
| ARIZONA BENEFIT CONSULTANTS LLC3 Filed as: ARIZONA BENEFIT CONSULTANTS | 6245 N. 24TH PARKWAY, SUITE 201 PHOENIX, AZ 85016 | RELIANCE STANDARD LIFE INSURANCE | $2K | — | $2K | 13.00% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | 6245 W 24TH PKWY STE 201 PHOENIX, AZ 650162030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $886 | — | $886 | 7.00% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | 6245 N 24TH PKWY STE 201 PHOENIX, AZ 850162030 | PRINCIPAL LIFE INSURANCE COMPANY | $955 | — | $955 | 8.75% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | 6245 N 24TH PKWY STE 201 PHOENIX, AZ 850162030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 13.00% |
| DONALD D MOLLIHAN3 | 6246 N 24TH PARKWAY, STE. 201 PHOENIX, AZ 85016 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $432 | — | $432 | 13.01% |
| ARIZONA BENEFIT CONSULTANTS LLC3 Filed as: ARIZONA BENEFIT CONSULTANTS | 6245 N. 24TH PARKWAY, SUITE 201 PHOENIX, AZ 85016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $162 | — | $162 | 10.01% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | 6245 N 24TH PKWY STE 201 PHOENIX, AZ 850162030 | PRINCIPAL LIFE INSURANCE COMPANY | $19 | — | $19 | 9.90% |
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 | 1,648 | 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) | 1,648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(5 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,594 | $529K |
| Short-term disability(5 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,594 | $455K |
| Long-term disability(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,594 | $439K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,406 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,594 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.