| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS INTL AZ INC3 Filed as: EMPLOYEE BENEFITS INT. ARIZONA | STEPHANIE WALDROP 2525 E ARIZONA BILTMORE CIR., D-144 PHOENIX, AZ 85016 | DELTA DENTAL OF ARIZONA | $7K | — | $7K | 10.72% |
| EMPLOYEE BENEFITS INTERNATIONAL3 | ARIZONA, INC. 2525 E AZ BILTMORE CIR., SUITE D144 PHOENIX, AZ 850162111 | VISION SERVICE PLAN | $754 | — | $754 | 7.18% |
| EMPLOYEE BENEFITS INTL AZ INC3 Filed as: EMPLOYEE BENEFITS INTERNATIONAL OF | ARIZONA, INC. 7901 N. 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $751 | — | $751 | 15.01% |
| EMPLOYEE BENEFITS INTL AZ INC3 Filed as: EMPLOYEE BENEFITS INTERNATIONAL OF | ARIZONA 7901 N. 16TH STREET, SUITE 200 PHOENIX, AZ 85020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $351 | — | $351 | 10.01% |
| EMPLOYEE BENEFITS INTL AZ INC3 Filed as: EMPLOYEE BENEFITS INTERNATIONAL OF | ARIZONA, INC. 7901 N. 16TH STREET PHOENIX, AZ 85020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $404 | — | $404 | 15.01% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 138 | $66K |
| Vision | VISION SERVICE PLAN | 114 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 72 | $4K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 11 | $5K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 72 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.