| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE TUCSON, AZ 85711 | BLUE CROSS BLUE SHIELD OF ARIZONA | $32K | $0 | $32K | 7.38% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 5.30% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.58% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $8K | 17.69% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF ARIZONA | 8220 N 23RD AVE PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.85% |
| CREST INSURANCE GROUP LLC3 | 2321 NORTH 4TH STREET FLAGSTAFF, AZ 86004 | AVESIS INSURANCE INCORPORATED | $697 | $0 | $697 | 8.92% |
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 | 86 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 87 | $588K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 177 | $45K |
| Vision | AVESIS INSURANCE INCORPORATED | 111 | $8K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 86 | $43K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 86 | $43K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 86 | $43K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 87 | $545K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 86 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.