| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBC SERVICES INC3 | 14201 N 87TH STREET D141 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $38K | — | $38K | 20.16% |
| FBC SERVICES INC3 | 14201 N 87TH STREET D141 SCOTTSDALE, AZ 85260 | AMERITAS LIFE INSURANCE COMPANY | $3K | $743 | $4K | 4.89% |
| FBC SERVICES INC3 | 14201 N 87TH STREET D141 SCOTTSDALE, AZ 85260 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| FBC SERVICES INC3 | 14201 N 87TH STREET D141 SCOTTSDALE, AZ 85260 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $890 | — | $890 | 12.12% |
| FBC SERVICES INC3 | 14201 N 87TH STREET D141 SCOTTSDALE, AZ 85260 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $755 | — | $755 | 12.45% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 109 | $188K |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 290 | $74K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $6K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $7K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.