| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS INTERNATIONAL AZ Filed as: EMPLOYEE BENEFITS INT AZ INC | 7901 N 16TH ST STE 200 PHOENIX, AZ 85020 | BLUE CROSS BLUE SHIELD OF ARIZONA | $47K | $0 | $47K | 12.06% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $8K | $0 | $8K | 2.18% |
| SCOTT WOOD | BENEFIT COMMERCE GROUP 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | DELTA DENTAL OF ARIZONA | $7K | $0 | $7K | 7.55% |
| STEPHANIE WALDROP | EMPLOYEE BENEFITS INT ARIZONA D-144 PHOENIX, AZ 85016 | DELTA DENTAL OF ARIZONA | $2K | $0 | $2K | 2.58% |
| STEPHANIE WALDROP | EMPLOYEE BENEFITS INT ARIZONA D-144 PHOENIX, AZ 85016 | DELTA DENTAL OF ARIZONA | $5K | $0 | $5K | 7.48% |
| SCOTT WOOD | BENEFIT COMMERCE GROUP 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | DELTA DENTAL OF ARIZONA | $2K | $0 | $2K | 2.54% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ Filed as: EMPLOYEE BENEFITS INTL ARIZONA INC | 7901 N 16TH ST STE 200 PHOENIX, AZ 85020 | VISION SERVICE PLAN | $2K | $0 | $2K | 8.30% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $491 | $0 | $491 | 1.70% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 0 | $389K |
| Dental(2 contracts) | DELTA DENTAL OF ARIZONA | 111 | $155K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 187 | $418K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 0 | $389K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 0 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.