| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | BLUE CROSS BLUE SHIELD OF ARIZONA | $43K | — | $43K | 16.10% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 7639 E PINNACLE PEAK RD STE 100 SCOTTSDALE, AZ 85255 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 3.95% |
| FBC SERVICES INC3 | 7639 E PINNACLE PEAK RD SUITE 100 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE CO | $2K | — | $2K | 14.83% |
| FBC SERVICES INC3 | 7639 E PINNACLE PEAK RD SUITE 100 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE CO | $1K | — | $1K | 11.30% |
| FBC SERVICES INC3 | 7639 E PINNACLE PEAK RD SUITE 100 SCOTTSDALE, AZ 85255 | LINCOLN NATIONAL LIFE CO | $899 | — | $899 | 12.56% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 169 | $266K |
| Dental | AMERITAS LIFE INSURANCE CORP | 125 | $72K |
| Vision | AMERITAS LIFE INSURANCE CORP | 125 | $72K |
| Life insurance | LINCOLN NATIONAL LIFE CO | 167 | $7K |
| Short-term disability | LINCOLN NATIONAL LIFE CO | 167 | $13K |
| Long-term disability | LINCOLN NATIONAL LIFE CO | 167 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.