| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | BLUE CROSS BLUE SHIELD OF ARIZONA | $38K | — | $38K | 14.46% |
| FBC SERVICES INC3 | 7639 E PINNACLE PEAK RD SUITE 100 SCOTTSDALE, AZ 85255 | BLUE CROSS BLUE SHIELD OF ARIZONA | $6K | — | $6K | 2.35% |
| FBC SERVICES INC3 | 7639 E PINNACLE PEAK RD SUITE100 SCOTTSDALE, AZ 85255 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 3.70% |
| FBC SERVICES INC3 | 7639 E PINNACLE PEAK RD SUITE 100 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 15.01% |
| FBC SERVICES INC3 | 7639 E PINNACLE PEAK RD SUITE 100 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.40% |
| FBC SERVICES INC3 Filed as: FBC SERVICES | 7639 E PINNACLE PEAK RD SUITE 100 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $896 | — | $896 | 12.53% |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 150 | $261K |
| Dental | AMERITAS LIFE INSURANCE CORP | 124 | $79K |
| Vision | AMERITAS LIFE INSURANCE CORP | 124 | $79K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $7K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $12K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 161 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.