| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DRACHMAN INS SERVICES INC Filed as: DRACHMAN INSURANCE SERVICES INC | 1889 N KOLB RD TUCSON, AZ 85715 | BLUE CROSS BLUE SHIELD OF ARIZONA | $137K | — | $137K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 85012 | UNION SECURITY INSURANCE COMPANY | $26K | $3K | $29K | 13.55% |
| DRACHMAN INS SERVICES INC Filed as: DRACHMAN INSURANCE SERVICES INC | 1889 KOLB RD TUCSON, AZ 85715 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 5.88% |
| DRACHMAN INS SERVICES INC Filed as: DRACHMAN INSURANCE SERVICES INC | 1889 KOLB RD TUCSON, AZ 85715 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 16.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRAL AVE FL 9 PHOENXI, AZ 85012 | UNION SECURITY INSURANCE COMPANY | $2K | $1K | $3K | 9.43% |
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 | 329 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 329 | $2.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 341 | $214K |
| Vision | UNION SECURITY INSURANCE COMPANY | 298 | $33K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $191K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $191K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.